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How old is the oldest card in your wallet? In other words, how old is the oldest card that you use frequently? It doesn't have to be your daily card, but not a card that you sock drawer for 6 months at a time either.
Comparatively, I'm very new to the credit world but it seems like there's always some new and improved card that makes an older version less desirable (AMEX BCE/BCP compared to Blue, for example).
I know that one of the important factors to credit scoring is your AAoA, so I'm wondering what is a reasonable amount of time to go without a new app.
For me the oldest card I use frequently is from July 2011, Chase Freedom.
Edit: It occured to me I should suggest a format ![]()
1. Name of CCC + specific card
2. Age of account
3. Why you use it
4. How long since your last app, how long until your next app, and what you think is a reasonable time frame between apps
@MrShush wrote:
Oldest card(s) are American Express: Platinum Blue, and Delta Gold 06/96, 02/96 ,and 07/96 respectively.
Two cards, three dates?
What kind of rewards do you get from them?
@MrShush wrote:
Oldest card(s) are American Express: Platinum Blue, and Delta Gold 06/96, 02/96 ,and 07/96 respectively.
Wow, I was in elementary school in 96. The only credit I wanted was extra credit at school.
Discover - Discover More card.
2 Years next month ![]()
I use it for the rotating rewards.
I applied for a BofA Cash Rewards Platinum Visa on 1/13/2012.
I am actually planning on getting the AMEX BCP/BCE and then waiting till I enter graduate school before applying for a charge card from Amex. I should have a pretty good track record by that time and a much more lucrative career ![]()
@Anonymous wrote:Discover - Discover More card.
2 Years next month
I use it for the rotating rewards.
I applied for a BofA Cash Rewards Platinum Visa on 1/13/2012.
I am actually planning on getting the AMEX BCP/BCE and then waiting till I graduate finish school before applying for another card. I should have a pretty good track record by that time and a much more lucrative career
Cool. I'm going to track my grocery/gas spending habits and try not to app for anything until 2013. If I spend enough to justify BCP over BCE, I'll try to PC in February 2013 ![]()
Closed an Amex acc.(Delta AMEX Gold) in good standing back in 1995(really don't know why,lol) . After paying off debt a little over 2yrs. ago,applied again, was approved and backdated to 3/95. Few mnths after that was preapproved for all charge cards and a revolver,Starwood Preferred.. Had trouble(so I thought) w/my apps going through for the charge card, so I app'd for the GREEN,ZYNC,GOLD and of course the Starwood. Next day while checking my e-mails @work was happy to see that I was approved for the Starwood Preferred
. / the next day, I almost fell out of my chair, when I checked my e-mails an saw 3 messages from AMEX......Congratulating me for being approved for all three. Ended up closing the Zync;Delta Gold upgraded to Reserve,Gold Charge upgraded to Platinum(and yes I travel a lot,17 trips to Europe last year alone so the Platinum and Reserve really work for me),and have just held on to the clasic Green Charge. All backdated to 3/95. I use Amex Cards for ALL travel related expenses,my Pres. Plus MC for overseas purchases(more widely accepted and no foreign transaction fees) and for Concierge service(I find that my PresPlus World Elite MC has better Concierge services than Amex,esp. in Europe).
Mine is Citi Dividend student Visa, opened 09/2008. Too bad I'm gonna sock drawer it soon in favor of the Freedom, it'll be missed.
My oldest card is about to have its first birthday in March.
GEMB
My second oldest card isn't going to have a very happy birthday. My Cap One is getting canceled before the AF hits.