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Why my credit card account reported as unused if I've used my card and paid my bills in advance?
Here's my most recent credit report from credit karma:
"This UKRAINIANFCU account was reporting a balance of $0 as of Jun 4, 2013, indicating it is not in use. This account is now reporting a balance of $85. We recommend you verify that the charges on this account are legitimate."
Credit karma lowered my score on 4 points because of this even though I've used my card and payed my balances of before I've got my bill.
Can anyone explain me how all this really works?

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