If I close my Citi card will it continue to age until it drops off of my credit report? I'm hoping to get a home in the next 2 or 3 years, so I just want to make sure my credit score won't be negatively affected by this move when the time comes.
Yes, it will continue to age and affect average age of accounts until it falls off in about 10 years.
your income is there just need to get uti down. they denied me the sapphire because of uti. Seems rep was willing to give me card but told me to app again in 6 months. Give it a shot and recon if denied, GL.
FWIW, with a lower EQ, lower income (in the 30s) and 7 inqs between feb-april of this year, i was approved for the sapphire(and freedom, same day apps). Also all my cards were 1K-3K and a total credit history of 1 year. utilization 61/8600(shows as 1%).