Good morning, FICO fam. I've had plenty of cards with plenty of lenders over the years, however I've only been watching my reports like a hawk since I found this forum around September of last year so I still have a ton of questions when I notice things like this. So all of my cards under the "Highest Balance" section seem to report the highest balance that was actually reported to the bureaus at the time of statement cut, i.e. the balance that was used for my actual score/report. Capital One, however, has now reported the highest balance that my card ever had on it MID CYCLE last month. I'm planning on apping for Savor here soon so I ran a large amount of spend through my VentureOne card last cycle, in hopes that they are pleased with this, among other things. The balance I let report was $76, however my new "High Balance" according to the bureaus is $2,289, which was the highest balance the card hit before I made my first payment through it. I actually ran sagnificantly higher spend through the card, however I PIF once it got close to 50% because I don't like anything getting higher than 50%, even mid cycle. (Now I'm REALLY glad I made two payments last month.) Is this lender specific? Any info would be appreciated as always. 
That's great info, thank you. I learn at least a couple new facts every day around here! Now this may be a silly question, but is the high balance reported now going to remain there as it stands indefinitely? It's not a huge deal, but if that's the case it will make me think twice about how high I let my revolvers get. I understand it will not effect my scoring snapshot, but it's the principal of having it shown on my report as such.
Well that makes sense then. Thank you for the clarification, and a better perspective on how that works. 🙂
As far as I can tell, it stays indefinitely unless it's exceeded, in which case it just gets replaced with the new number. I have a few cards that are pretty old and they still report the highest balances they had years ago. Completely agree that it's a good thing to have higher numbers in those fields, especially if an underwriter ever wants to really dig deep since they can see that you can responsibly borrow and pay back.
As an aside, for older scoring models, the high balance field was used to determine the "credit limit" of some cards, like charge cards and the original Visa Signature cards with no preset spending limit. So if someone charged the same $2000 every month to one of these cards and never went higher, it was treated as if you were just keeping it maxed out indefinitely! 
Fortunately, newer scoring models like FICO 8 discard charge cards when calculating utilization.
@Ficoproblems247 wrote:Good morning, FICO fam. I've had plenty of cards with plenty of lenders over the years, however I've only been watching my reports like a hawk since I found this forum around September of last year so I still have a ton of questions when I notice things like this. So all of my cards under the "Highest Balance" section seem to report the highest balance that was actually reported to the bureaus at the time of statement cut, i.e. the balance that was used for my actual score/report. Capital One, however, has now reported the highest balance that my card ever had on it MID CYCLE last month. I'm planning on apping for Savor here soon so I ran a large amount of spend through my VentureOne card last cycle, in hopes that they are pleased with this, among other things. The balance I let report was $76, however my new "High Balance" according to the bureaus is $2,289, which was the highest balance the card hit before I made my first payment through it. I actually ran sagnificantly higher spend through the card, however I PIF once it got close to 50% because I don't like anything getting higher than 50%, even mid cycle. (Now I'm REALLY glad I made two payments last month.) Is this lender specific? Any info would be appreciated as always.
I have several that still report from 50% to 99.9% and it sticks for years.
@M_Smart007 wrote:
@Ficoproblems247 wrote:Good morning, FICO fam. I've had plenty of cards with plenty of lenders over the years, however I've only been watching my reports like a hawk since I found this forum around September of last year so I still have a ton of questions when I notice things like this. So all of my cards under the "Highest Balance" section seem to report the highest balance that was actually reported to the bureaus at the time of statement cut, i.e. the balance that was used for my actual score/report. Capital One, however, has now reported the highest balance that my card ever had on it MID CYCLE last month. I'm planning on apping for Savor here soon so I ran a large amount of spend through my VentureOne card last cycle, in hopes that they are pleased with this, among other things. The balance I let report was $76, however my new "High Balance" according to the bureaus is $2,289, which was the highest balance the card hit before I made my first payment through it. I actually ran sagnificantly higher spend through the card, however I PIF once it got close to 50% because I don't like anything getting higher than 50%, even mid cycle. (Now I'm REALLY glad I made two payments last month.) Is this lender specific? Any info would be appreciated as always.
I have several that still report from 50% to 99.9% and it sticks for years.
Well that makes me feel better too. Moral of the story I guess is rack 'em up, pay in full, rinse and repeat. It makes perfect sense now how that makes you look like you can handle what's been given to you.
