Citi LOC x Overall Util

[Anonymous]

First post, been reading the boards regularly as I start my rebuild.

I have a Citi Checking Plus LOC reporting in addition to 6 CCs, 1 Student Loan Bundle, and 1 Personal Loan, zero baddies.

How does the LOC factor into my util?

Some sites/apps (nerd wallet, myfico, experian, karma) include it as part of my CC Util, others exclude it.

If it applies to CC Util it makes a pretty big difference (in my favor) as I’m holding zero balance there.

If not I’m farther away from <28.9% than I was hoping.

Thanks for the knowledge!

[CramEiko]

Is it a PLOC? Are you using it? Or do you have an loan?

I had a PLOC with a couple of banks and they reported them as if they were both CC's.

[Anonymous]

It’s a PLOC named Checking Plus, they sell it as overdraft protection for regular checking accounts.

I have carrried a high balance on it until January but it is at zero now.