Just got my Quarterly, and it eems wrong?

[Andrew22]

Hey there: just got my quarterly monitoring, and it lists my credit card utilization at 41%. It is listing my combined balances as $4000. This includes my citicard, with a balance of 1,500 on a CL of 3,500; a balance of $2500 on citiAAdvanage with listed CL of $31,300, a $500 best buy card with a zero balance, and a chase card with $1000 limit and a zero balance.

So, the $4000 is correct. But it $4000 balance vs a 36,000 total credit limit is closer to 10% than 41%. Clearly, they are not factroing in the AAdvantage card, right? I've heard that can happen. But high usage is listed as one of the factors bringing down my score, adn clearly this is not accurate, right?

[GregB]

Look at the report and check the details on each account. Confirm the listed balance and CL on each account. Check the type of account and confirm that each one says "Revolving" and not "Flexible Spending".

[Andrew22]

 Thanks for the reply! Actually it says both. Under "loan type" it says flexible spending. Under account type, it says revolving. It does list a credit limit, though...what to do, if anything?

[GregB]

That means that the balance will appear in the Revolving total amount BUT that the account will be ignored when calculating Utilization.

I assumed that at first but still couldn't get the accounts to add up to your Utilization. How about the other accounts? Is there a business account that appears on your personal report but isn't factored into Utilization?