Background- I have lots of credit accounts totaling to about 45,000 in credit lines and about 8,000 used. but my age of accounts is about 1yr and 6 months cause I’m just 21.
My first CC was with capital one, Journey $300. I used it like any 18 yr old would. Maxed out nearly felt bad then paid in full and then used again etc. Well after a few months they would push my limit up and up until about a year and a half later they offered $2000 and the Quicksilver card. From what I’ve read in here, I’m doomed. No CLI. It’s been over two years since I accepted the offer and have not had a CLI since. It’s my oldest account so I don’t want to close it but it doesn’t offer crap for me. I so badly want to use it for the rewards and cause I want to stay loyal to who first approved me buuuuut all my limits are the tippy tops every where else. WM MasterCard, $10000. Kohl’s CC (which is capital one I think, ironically) $3000, Navy Fed Platinum $11,000, care Credit $12,000, NFCU CLOC $15,000, i bought my first home at 19, but I can’t get a freaking credit limit increase?!?
Should I app for another card to mash the limits? How does that effect AAoA and my score? Or do I just abandon this account until I’m old enough to close? I’m scared if I close now it’ll hurt bad cause how old I am.
