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It's nothing but speculation, but I would say three cards at $5K each.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
I would bet that option 1 would best maximise your score. You want at least three tradelines open and higher limits on the three would help your single card utilization.
it depends on your personal report I would imagine... you want both higher limits and higher average age...
say you have 1 card with 15k limit that you've had for 5 years let's say for example... yea the limit is nice and high, but now you decide to open another card and boom, your average age just went down to 2.5 years... but if you're the person with low limits, you'd really wanna get the one card with higher limit to establish some history with high limits
opposed to if you have 15 cards with 1k limit, opening a new line will barely even lower your average age... but your limits aren't high so you have no history of being responsible with high limits... but also... if you previously had 2x 20 year credit cards and now you open 15 new accounts, you've pretty much wasted all you credit history with new accounts and dropped your AAoA to nothing
bottom line, you want higher limits... you want to have a lot of old accounts and open few new ones... I think for most people, option #2 is the most ideal... decent number of lines that shouldn't hurt you too bad and limits are decent... but I can see how option 1 or option 3 could be preferable in some cases