On your credit report it will always list your high balance, that means the most money you’ve ever had on your card at one time and it will also list your current balance. However, as long as you are regularly (at the end of the billing period)staying below the 30% you should be fine. Your banks all report to the credit bureaus at different times of the month so it is hard to say at what point in the billing period they report, that will be what it shows as your current balance. I’ve heard it is usually at the end of the month more than the end of the billing period. If you could get to the right person at the bank they should be able to tell you when they report, but getting to the right person will be the trick! Good luck : )