Anyone Seen This Before?

[HeavenOhio]

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@Anonymous wrote:

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@Anonymous wrote:

Be afraid. Be very afraid...    

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Not too much to be afraid of, I already have their card, have no AF with it and only a 6% interest rate. Only reason I keep it open is because I went on a wild app spree Sept-Dec last year and its keeping my age of my accounts over 2 years. And maybe because I want to see where they will cap out on a SL.....

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Closed accounts continue to contribute to your account age stats, and you can expect them to stay on your credit report for "up to 10 years," as the bureaus say. It's possible that a closed account could drop off your report much sooner, but the risk of that is really small.

Credit Karma is particularly misleading. They give you the average age of *open* accounts, despite the fact that both FICO and VantageScore count closed accounts in their age computations.

[Queen_Etherea]

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@Anonymous wrote:

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@Remedios wrote:

I still want to know what that 6% is 

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I want to know if that's an actual NyQuil card (yes I know that sounds crazy but there are crazier things...) or just a card you put NyQuil on and if that is how it looks in person? That is hilarious if it looks like that in person.

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OMG ME TOO! I've been seeing it for quite some time, but didn't even think to ask.

[Remedios]

It's a very old joke. 

[Anonymous]

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@HeavenOhio wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Be afraid. Be very afraid...    

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Not too much to be afraid of, I already have their card, have no AF with it and only a 6% interest rate. Only reason I keep it open is because I went on a wild app spree Sept-Dec last year and its keeping my age of my accounts over 2 years. And maybe because I want to see where they will cap out on a SL.....

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Closed accounts continue to contribute to your account age stats, and you can expect them to stay on your credit report for "up to 10 years," as the bureaus say. It's possible that a closed account could drop off your report much sooner, but the risk of that is really small.

Credit Karma is particularly misleading. They give you the average age of *open* accounts, despite the fact that both FICO and VantageScore count closed accounts in their age computations.

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Thanks for that info I didn't know that.