samhradh wrote:Leaving it open increases your AAoA and decreases your utilization.
AAoA would still increase even with closing it until the fall-off point (10 years). However, closing it would increase utilization. For that reason I'd recommend keeping it open until utilization is improved on the OP's other card.
abovethesink wrote:What card should we use to filter everything through and build positive credit history with?
From a utilization standpoint it would be a bit easier to use her card as you'd have to pay prior to statement close on your card to keep reported utilization down. Rewards would obviously be better by placing spend that generates higher rewards on the Discover card. Still, should is really for you to determine based on all your priorities, preferences and goals.
abovethesink wrote:Or should she not apply again so soon?
It's not really about time so much as it is about one's credit. A strong credit profile can handle multiple new accounts within a short timeframe. Without the details on her credit it's impossible to say. Her Discover credit line seems like a good sign but I wouldn't rely solely on that.
abovethesink wrote:Absolutely anything else. Educate me. What should I be doing here?
Take some initiative and read up on the basics of credit scoring. With that info you'd have the answers to your questions. Read up on credit related forums but keep the standard caveats in mind. I wouldn't even suggest taking my own posts at face value. Do your own due diligence, validate & corroborate, etc.