You're overthinking your credit score. Age of oldest account is just one of many factors. Utilization thresholds of any given card along with that of your total available credit are likely to matter more.
Keeping an existing card with a high credit limit, low/no fee and reward/benefits you like open is a good idea. Age of account wouldn't be a factor for me.
I can't image opening cards now with plans to begin using them years later. Wait until you have a place for a new card and shop around for a lucrative signup bonus.
You already have very good credit and are likely qualified for the most favorable rates from lenders. I was in a similar position a few years ago and mine only went above 800 after I got a mortgage.
Keeping an existing card with a high credit limit, low/no fee and reward/benefits you like open is a good idea. Age of account wouldn't be a factor for me.
I can't image opening cards now with plans to begin using them years later. Wait until you have a place for a new card and shop around for a lucrative signup bonus.
You already have very good credit and are likely qualified for the most favorable rates from lenders. I was in a similar position a few years ago and mine only went above 800 after I got a mortgage.
Statistics: Posted by f8andbethere — Wed Sep 04, 2024 9:26 pm — Replies 2 — Views 168
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