@beargrease wrote:I'm going to provide periodic updates for future readers. It's now a month since my last approval, so the aging has begun. May 31 Experian FICO 8 only score dropped from 784 to 783 - much better than I thought! Helpfully, Experian says that my AAoA used to be 14 years 3 months (not sure when that was measured though) and it has dropped to now to 12 years 10 months. The 2 AmEx cards aren't reporting yet (that's 3/5 new lines reporting). My Exp FICO 9 (per Wells Fargo) dropped from 817 to 805 (5/26/23), 1% credit usage.
It's been a lesson in complexity, juggling 4 SUBs with the Freedom Flex's (Amazon/Lowe's) and Apple's (5% groceries) rotating categories, and a mix of cash back vs. points. Enough to learn that it's not for me, I'm just not cut out to be a full-on maximizer!
Be careful with the freedom. Chase doesn't like sprees and are known to SP your credit a couple of months later. If the Amex are reporting by then, chase may shut down the card and you'll lose your rewards.
