Probably will, over under maybe 15 points for airstriking the maxxed out cards if you're around that 650ish score still but a lot depends what else is in your file and what your currently reported balances are when it comes to aggregate utilization and whether or not you'll take an AAOA hit.
@ShinBeats wrote:Yeah the AAOA was what I was most worried about. I have 3 new accounts this year so far. (Barclay, Amazon, Discover,) and the NFCU account would be the fourth. So I guess we'll have to wait and see. Really hope for an increase.
It sounds like you have a fairly short report (like me in that regard): unless you were at 2 years AAOA or higher anyway, it won't matter: everything below that mark is rounded to 1 year by FICO calculation.
AAOA doesn't mean much for the first couple of years building, once you hit that 2 year mark which is arguably (maybe unarguably, diminishing returns for longer AAOA values and benefit) the most important AAOA benchmark then it becomes more of a concern on the scorecard.