When to apply for Freedom and AMEX Plat Morgan Stanley?

[Creditaddict]

I would apply for these 2 cards now...

Apply to Amex first, then Chase.

[Anonymous]

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@OneMoreCouch wrote:

I just pulled a report from Myprivacymatters and there isn't a calculated AAoA there for me.

However, I did calculate it myself and it turns out to be 27 months.

I canceled a banana republic card a while ago, but some of the credit reports are still reporting it. So I made that account worth 3 years old (as stated on my credit report) as opposed to me closing it within 1 year or 1.5 years

@Anonymous I think after these 2 cards, I'll be set for a while (4 credit cards is already mor than my wallet can carry comfortably). Is this is my case, should i worry about the AAoA?

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With an AAoA of 2 years+ and the fact that you have a good score, some history (albeit just a few months) with both Chase & AmEx & low number of inquiries, I think you have a good shot -- especially if your utilization is low & have a good income.

[OneMoreCouch]

Thank you everyone who commented! You guys are the best.

In terms of utilization, I'm not sure what I do for total (As i scarcely use my WF card now) but I consistanly go <50% with Chase.

Probably with the 5000+3000+3900 Credit line, I use about 3-4k a month and I pay it in full monthly.

OMC

[-Wade-]

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@OneMoreCouch wrote:

I just pulled a report from Myprivacymatters and there isn't a calculated AAoA there for me.

However, I did calculate it myself and it turns out to be 27 months.

I canceled a banana republic card a while ago, but some of the credit reports are still reporting it. So I made that account worth 3 years old (as stated on my credit report) as opposed to me closing it within 1 year or 1.5 years

@Anonymous I think after these 2 cards, I'll be set for a while (4 credit cards is already mor than my wallet can carry comfortably). Is this is my case, should i worry about the AAoA?

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To me AAoA is important for good scores...........To others they could care less..........MY 2 cents again