No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I would personally probably close the Merrick unless you like using it for small purchases and probably hold onto the Orchard to maybe get at least a small CLI maybe once in awhile. At least you'd have one of your two oldest tradelines left if you still kept the Orchard, but that's just my advice.
Why not just close the Orchard and Merrick?
@shorrttyycm1 wrote:
I thought about that but they are my 2 oldest accounts. That's gotta hurt in some way right? I thought it either hurts your AAoA or because they are oldest or because i will be down to only 2 cards????
How much older are they? Do you pay an annual fee on them?
Even when closed, it'll count towards your AAOA for 10 years. I'd imagine, 10 years from now, the history falling off would be inconsequential to your AAOA.