8 Apps, 7 Approvals

[Anonymous]

Congrats on your spree!

On the AAoA front, closing cards has no impact on AAoA until they fall off around 10 years later because AAoA factors both opened and closed accounts. If you want to trim some accounts, get your utilization down first, but it won’t help your AAoA and you’re very close to the 7.8 year benefit anyway so just don’t add any new accounts. 

[AverageJoesCredit]

Thanks for updating us. We wish you the best.

[5KRunner]

I should also note that I’ve never had any derogs - no late payments, collections, bankruptcies, etc... due to life circumstances, we had to charge medical expenses and didn’t make enough money to cover much more than monthly minimums. A lot has changed since then

[Anonymous]

Boom. Congrats on your app spree results.

[difringe]

Wow! Congratulations on the (mostly) successful app spree! Like everyone else, I'm worried about your Chase card, hopefully they don't cancel it!

[5KRunner]

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@difringe wrote:

Wow! Congratulations on the (mostly) successful app spree! Like everyone else, I'm worried about your Chase card, hopefully they don't cancel it!

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Me, too... I sorta forgot about the Samsung account (mentioned in my post about HPs), which pushed me over the limit before apping with Chase, then further about the possibility of them counting whatever I apped afterward.

I recently opened a checking account with them. I’m doubtful it will make a difference with respect to the rule, though.

[Anonymous]

Congrats!

[800FICOGoal]

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@5KRunner wrote:

Here are some additional data points...

AoOA is just over 21 years, AAoA is now slightly under 7.5 years (just including revolving accounts). I’m considering a few closures that fall below the AAoA, thus bringing the average up a little bit.

Thanks for including that DP.

Congrats on all your approvals!!!!!

[Stribe]

Whoa. That’s a credit sprint! Way to go on the approvals and some good cards in the mix. 🤙🏼

[pinkandgrey]

You’re good lol. Congrats on all that. 7 out of 8 is impressive. Many of us wouldn’t have that kind of luck.