That doesn't make sense...cause my user card is the same as my stats rank, which is the rank that I am within 3rd dan black belts, so my usercard rank is always lower, but that doesn't really apply to yours?
A while ago my user-card rank plummeted (reached below 500) while my in-game rank was at around the 100k mark. But that side of things has changed, although they're still not identical (not on the same ranking system.)