Why is my credit score staying the same?

Your credit score is not staying the same.

Your creditkarma score is staying the same. They are two different things.

The score that creditkarma gives you is only your score on their website. It is not your score anywhere else in the world. Your credit score anywhere else could be going up, going down, or staying the same.

The score that creditkarma tells you is staying the same because they decided to keep giving you the same score on their website. If they wanted, they could give you a higher number, or a lower number, because they can give you any number that they want, on their website. Your "score" on their website is just the number that they decided to give you. They can pick any number that they wish.

FICO might give you a better estimate of your credit rating than Credit Karma. It takes time to build up a really good score. 4 months is not a very long time. See if you can pay your credit card bill earlier than the last day or two given. Sometimes transactions take a few days to go through and show up on the system, and it might easily happen you get a penalty charge for not paying on time even though you really did. If that happened, it wouldn't be a bright mark for your credit.

Credit Karma is merely an estimate of your real score. For all you know, Credit Karma may not be updating your credit report in its data base or using a credit report that the card company is not reporting to. Rather than worrying about your score right now, you should be checking your credit reports after about 12 months of payment history to make sure that the card is being reported and reported accurately.

You could also try applying for a second card at a bank that will give you your score after they process the application. That will give you at least one accurate score.

Finally, be aware that any one score is not the be all and end all of credit - in fact you have over three dozen scores (one "general" score each from FICO and the three credit bureaus and then each of the four entities have targeted scores which are created to be used for certain things - like one score for when you apply for a mortgage, another for a credit card, another for a car loan, etc.