Ok gang, this might sound like a dumb question but I've been toying around with the possibility of closing one of my oldest accounts a CAP1 Platinum Visa, age 11y 4m.
This card has a $29AF and really was set up to help get my credit back after a BK. Outside of my AMEX BCP it is the only card with an AF that I have.
I don't really use the card that much just pull it out every 6-10months and put a charge or two on it.
Since it's one of my older accounts I feel like if I close it that it would hurt my AAoA. Currently these are my cards with age:
Chase-12y 2m
CapOne- 11y 4m
CITI- 9y 5m
BOA- 7y
PNC- 1y 10m
AMEX- 9m
CITI DC- 1m
CapOne QS- 1m
So AAoA is about 6 years. I'm not looking for a mortgage or even a car loan soon. Maybe a car loan later this year or next year. I don't know if I'll ever try to get a house again. So how bad would it hurt to close the account and would you guys do it?
I'd love to do a PC but don't think I can on this account. I'd consider trying to consolidate both CAPOne accounts but my new QS is only 1 month old and not sure I'd be able to do it anyway once the 6 month period rolls around. So I'm left to either keep it open helping my AAoA or close it and more likely dropping score a little. This seems like a dumb question I know but I am looking for some guidance. It probably won't hurt me that bad I guess. I've added new accounts and they will age together so a little patience and watering will be better in long run.
Sorry for dumb question but hate to make the wrong decision and I enjoy reading my fellow fico'ers opinions. 
Close it as it has served its purpose and it shouldn't affect your AAOA because it will still be on your reports. However it might your UTIL because your overall CL will decrease.
Have you looked into combining accounts? I would try combining it with my QS1 which will bring your total limit on that to $14,800. That way you wont lose that cushion. And Cap1 will close it anyway once you combine...WIN WIN!
Much appreciated guys...I would try to consolidate but again because my QS account is only 1 month old I cannot touch it. I think it's best to just close the account and move on. It served it's purpose for sure. One less card to worry about pulling out of the SD 
Right you can't touch it and I'm not telling you to touch it lol However, if both accounts are $0 and haven't been late, you should be able to combine the OLDEST card into the QS1 (not the other way), thus closing the Plat and leaving the QS1 open.
Yeah no dice on getting changed to no AF account. Also account is under 5k. I have a reg QS account not a QS1 so a consolidation wouldn't work even if account was 6months old. I just closed it so no sweat. Moving on
Sorry it didn't work out!
@maxq wrote:Yeah no dice on getting changed to no AF account. Also account is under 5k. I have a reg QS account not a QS1 so a consolidation wouldn't work even if account was 6months old. I just closed it so no sweat. Moving on
Ok, so it's closed, that's done.
The other poster's reference to Quicksilver One is only to point out it is possible to go from an AF card to no-AF Quicksilver, not that QS1 only converts to QS. I converted a no AF Platinum to QS last year.
To clarify for data points, did you actually ask Capital One if you could convert the AF Platinum to a no-AF QS? And they said no? Or no ask?
@NRB525 wrote:
@maxq wrote:Yeah no dice on getting changed to no AF account. Also account is under 5k. I have a reg QS account not a QS1 so a consolidation wouldn't work even if account was 6months old. I just closed it so no sweat. Moving on
Ok, so it's closed, that's done.
The other poster's reference to Quicksilver One is only to point out it is possible to go from an AF card to no-AF Quicksilver, not that QS1 only converts to QS. I converted a no AF Platinum to QS last year.
To clarify for data points, did you actually ask Capital One if you could convert the AF Platinum to a no-AF QS? And they said no? Or no ask?
Yes I did check with them previously and it was a no on waiving fee and no on a PC. Probably early last week. Not sure why but seemed I couldn't do anything with this account. I am not sure if it had anything to do with the fact I recently opened a QS account. Probably not but just an odd thing. I've heard of others consolidating and PC but couldn't seem to get this done.
Thanks for asking. Just wish I could have done something since it was an old account.