re: Question about building credit with cards?

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If I'm correct the only historical point that is on the report is the high credit at some point in time on the account?

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The statement balance is what is reported to the bureaus. Even if you max out your cards every month, if you paid them all off right now, the next time the statement balance is reported to the bureaus, you would show zero utilization. Some people say that 30% is the magic number but I've also read that it varies from person to person. I did a lot of research when I was buying a house 2 years ago. I was reading the MyFico forums, where most of the posters say to keep a zero balance on all cards except one and less than 10% utilization on the remaining card to maximize your score. I tried different balances while monitoring my FICO score and mine was much higher when I got down to zero than when I was at 30%.