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What kind of math are they using???

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What kind of math are they using???

Hello all:
 
BLUF:  My EQ score dropped to 686 from 701 because my balance increased "62%", so they say.
 
I have a WaMu with a credit limit of $2651.  At the time my score dropped my balance was a mere  $45 and increased to $120.  This left me with an available balance of $2531 or a usage of only 4.53% of my available credit - well below the 30-35% that is suggested to have available.  What's up with that?
 
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