Question about utilization?

[jwillvin]

Hi, I'm rebuilding after a recent bk and applied and was approved for a target store card and a firestone store card. When calculating my my utilization %, are these cards limits factored in as well? My current cc are 2 Capone ($500 cl each), Barclays Nfl Card ($500 cl), Orchard bank ($300 cl) and now these two store cards with $200 for target and $1000 for firestone. So does myfico calculate my % based on an overall credit limit of $3000? or $1800?

Thanks

[pizzadude]

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@jwillvin wrote:

Hi, I'm rebuilding after a recent bk and applied and was approved for a target store card and a firestone store card. When calculating my my utilization %, are these cards limits factored in as well? My current cc are 2 Capone ($500 cl each), Barclays Nfl Card ($500 cl), Orchard bank ($300 cl) and now these two store cards with $200 for target and $1000 for firestone. So does myfico calculate my % based on an overall credit limit of $3000? or $1800?

Thanks

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Yes, they are included ~ all revolving credit lines would be factored into your revolving utilization.

[jwillvin]

Great, thanks for the rapid response!