- Centurion Member
- Posts: 4047
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Just based on anecdotal evidence, it seems that the FICO benefit from a high AAoA has rapidly diminishing marginal returns. An AAoA of three years is better than one, but ten years isn't that much better than five.
Once a person has some occasionally-useful, no-AF (so protected in the event nerfing) cards in place, I'd say it's generally time to let go of secured cards.
Or does a high AAoA matter a lot more if you have baddies?
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech