For just about anything you want to get off your chest about credit cards.
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Postby FutureBillionaire » Mon Mar 11, 2013 9:52 am

What is a good AAoA in your opinion? What is a bad one?
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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Postby bisbicos » Mon Mar 11, 2013 11:31 am

They say to get a credit score of 800 you need at least an AAoA of 10years. My CC score is 733 and my AAoA is around 4 years
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

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Postby nomnomnom » Tue Mar 12, 2013 2:15 am

FWIW, I've got an AAoA of 2 years with an EQ FICO of 742.

In my opinion, a good AAoA is one that doesn't disqualify me for a card I want :)

So far so good.
[CENTER][font=Arial][size=60]Equifax: 753, Transunion: 742, Experian: 740
Discover It 10,000
USAA Total Rewards Visa 16,000
AmEx HH 16,300 | AmEx BCP 2,000
Chase Freedom Visa 10,000 | Chase Slate Visa 1,500
PenFed Platinum Visa 10,000 | PenFed Line of Credit 3,500
CapOne Platinum Mastercard 5,000 | CapOne Best Buy 4,500 | CapOne Orbitz Visa 1,000
OnPoint Platinum Visa 5,500 | Barclays NFL Visa 2,500 | US Bank Cash 1,500 | KeyBank PLOC 1,500
Amazon Store Card 400
Total Credit Line: $91,200 -- Last Updated: July 28th, 2013[/size][/font][/CENTER]

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Postby haikuginger » Tue Mar 12, 2013 12:44 pm

My AAoA bounces back and forth- as of February, I had a 21 month AAoA on a 730 CK, but after applying to a few cards brought me down to a 12 month AAoA, my CK is down to 710. However, I now have enough credit where I feel comfortable hitting the garden for the next few years... unless, of course, the right offer comes along.

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