Multiple Criteria Sumifs in Multiple Columns

Hello All,

I am trying to improve how I write my formulae. In this case I have replaced this horribly long formula:

=SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"CRT",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,1,TransactionCode,3006,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"CRT",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,1,TransactionCode,3031,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"CRT",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,1,TransactionCode,3035,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"CRT",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,3,TransactionCode,3006,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"CRT",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,3,TransactionCode,3031,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"CRT",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,3,TransactionCode,3035,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"SCR",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,1,TransactionCode,3006,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"SCR",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,1,TransactionCode,3031,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"SCR",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,1,TransactionCode,3035,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"SCR",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,3,TransactionCode,3006,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"SCR",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,3,TransactionCode,3031,ChargeOff,"OK")
+SUMIFS(Amount,CAAPartner,$A10,TransactionAccountFunction,"SCR",TransactionSource,"MC",ClassCode,"PR",TransactionCategory,3,TransactionCode,3035,ChargeOff,"OK")

with this nice shortened version:

{=SUM(SUMIFS(Amount,TransactionAccountFunction,{"CRT","SCR"},TransactionSource,{"MC"},TransactionCode,{3006;3035;3031},ChargeOffCredits,{"OK"},CAAPartner,A10,ChargeOffCredits,"OK"))}


I have pieced this together using information on various forums and it appears to work, but I have a question:

What is the difference between using a comma and semi-colon in this new formula?



Thank you all for your time :-)
Alan