Utilization Question

[athan12]

I have a credit card that is closed by guarantor, but it is still showing on my bank accounts. The CLL is 900. I have a newegg preferred account that ha a CL of 2000.

My balance on my Newegg Preffered Credit is 800 and my balance on my BofA CC is -1.4(yea the bank actually owes me $1.4).

Does this mean I have $2,900 credit limit in total? or I only have a $2,000 CL from Newegg or vice versa? Does the $900 CL from closed CC still counts? ( the closed CC is still showing on my CR.

$800

/

$2900

=

.27 or 27% utilization

Is my calculation right?

[guiness56]

Was the closed CC in good standing?  Is there a balance on it now?

[guiness56]

Yes it is counted.

[athan12]

Even if I can't use it anymore? and the Credit Limit from Newegg Preffered Credit?

[guiness56]

Read this:

Closing Credit Cards

[SocalMark]

Does the newegg preferred account report to the CRA?