https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489782#M150641 Hi OP<BR />Yes retail cards are included in utilization. Sun, 03 Feb 2019 00:17:19 GMT CreditInspired 2019-02-03T00:17:19Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489779#M150640 Hey are retail cards include in your overall utilization for scoring purpose? I have a fingerhut charge account (revolving) with a $1000 limit . Thanks Sun, 03 Feb 2019 00:13:37 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489779#M150640 kaylord84 2019-02-03T00:13:37Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489782#M150641 Hi OP<BR />Yes retail cards are included in utilization. Sun, 03 Feb 2019 00:17:19 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489782#M150641 CreditInspired 2019-02-03T00:17:19Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489787#M150642 <P>Yes, they are.</P> Sun, 03 Feb 2019 00:29:08 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489787#M150642 UpperNwGuy 2019-02-03T00:29:08Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489840#M150643 <P>Um...what is a fingerhut?</P><P>Pizzahut mmmmmm PIZZA!</P><P>I have never tried fingers...are they tasty?</P> Sun, 03 Feb 2019 01:39:16 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489840#M150643 Anonymous 2019-02-03T01:39:16Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489920#M150644 Thanks guys 😎 Sun, 03 Feb 2019 03:15:28 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Retail-Card-Utilization/m-p/5489920#M150644 kaylord84 2019-02-03T03:15:28Z