If you're currently at a point where you're maxing out your card or if you've been progressively spending more each month... could you tell me if your "current balance" is exceeding your "high balance"? It seems as though.. if your high balance last month was 1000... and this month you've got a 1200 balance... you're going to have a lag time and look like you're actually over your limit... even if your limit is significantly higher. I am trying to make sure part of this is a CRA issue. My hypothesis is this: if your balances trend up, when Citi reports the 1200... the high credit isn't automatically being updated. so the harm isn't just that you look like you're at 100%.. it looks as though you're at 120%. HELP! I'd like some confirmation. That's what my Cap1s are showing on 2 reports. Equifax and Experian.