Hi everyone. I currently have 5 cards and my question was regarding my average age of accounts. Here are the cards I have opened so far:
VentureX- $10,000 CL (opened December 2025)
Sapphire Preferred- $8,600 CL (opened July 2025)
Discover It- $4,600 (opened June 2024)
Capital One Savor- $700 CL (can't get this to increase for the life of me) (opened November 2024)
Capital One Platinum- $300 (opened May 2024)
My oldest card (the platinum) is 2 years old and my AAoA is 1 year and 4 months. I would like to open another card. I'm not worried about the hard pull, I could care less about that.
If I open another card it will again decrease my AAoA. I guess what I'm trying to ask is, is my AAoA important to the point where it could affect me later? If I was to open a new card today, what would it do to my AAoA?
I know it's10% or 15% of my score and I'm just not quite sure how one builds that metric while opening new cards. What do you guys think I should do? Hope this makes sense.
Thanks for all your help!
Help me understand AAoA better
byu/Alone_War_7959 inCreditCards
Posted by Alone_War_7959
1 Comment
https://www.reddit.com/r/CRedit/s/H0G3OyiUVV
Yes, your AAoA will decrease when a new account appears on your credit profile. Most business card won’t, so that’s a hidden benefit.
If you are not planning to apply for say a mortgage in 18 months, then go ahead and open as many CCs as you want (especially for the SUB aka churners), as long as you maintain responsible use.