Do any cards report the highest balance as CL?

[Anonymous]

Title says it all. I've heard that some NPSL cards report your highest balance as your credit limit (not as the seprate "highest balance" entry on a credit report). 

Is there any truth to this? 

[RobertEG]

Some credit cards do not set a credit limit per se, such as AmEx.

If the card is a revolving account with no set CL, then FICO will use the high balance in calculation of % util.

The creditor does not actually report it as a CL.

[Anonymous]

Ah ok I guess that part was lost in translation. Too bad no cards incorrectly report CL. 

[takeshi74]

It's not really too bad as it would be a double edged sword.  Unless you reduced the balance just prior to reporting it would report as 100% each time you set the high water mark.

[Anonymous]

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@takeshi74 wrote:

Unless you reduced the balance just prior to reporting it would report as 100% each time you set the high water mark.

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Ha that's exactly what I do. Always PIF before the statement cuts so my util is zero. That's how I get an automatic CLI every few months.