“I have around 150,000 Iron Points in my JEFIT account, but only about 130,000 show as consumable when I try to redeem them toward Elite. Can you explain the difference between total Iron Points and consumable points, and why there’s a gap of about 20,000 between the two?”
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Consumable points are those Iron Points you have not yet used towards Elite subscription weeks.
So in your case you must of used 20,000 points at sometime in the past.