Credit Limit and Highest Credit

Synchronization

For revolving and line-of-credit products, report both the current limit and the highest historical balance consistently. Keeping these aligned prevents outlier utilization and improves underwriting signals.

Edge cases

If a limit is temporarily reduced, reflect the new limit promptly and ensure utilization is computed against it.

For installment/mortgage, do not populate limit; use original amount/highest credit semantics as applicable.