That's a good thought. Will have to check when I get home but I don't think that wud explain it.Got a flash on?? Flash sync speed will be about 1/200 - 1/250 ish unless you use high speed sync.
^^^
Yes that would explain it. 550D sync speed is 1/200.
If you want faster shutter speeds, turn on HSS from the flash.
Looks like 550D built in flash doesn't do HSS so you will be stuck at 1/200 maximum with it on, regardless of the mode I would think.