At what year does a card’s age become the maximum for AAOA?

[Anonymous]

I had read somewhere that once a card is a certain age, it doesn’t help your AAOA beyond that point. Like for example, a 14 year old card and a 25 year old card give the same AAOA.

Can anyone tell me what is they max age for a card’s AAOA?

[simplynoir]

It's been discussed before here and having a little trouble finding the topic in question. Believe it was somewhere around the 7-8 yr AAoA mark where you basically see no returns/increases to your score.

[Anonymous]

With most FICO scoring models, it's believed that an AoOA of around 18 years maxes out any score gains related to AoOA.  Keep in mind that a greater AoOA will positively aid AAoA as well, a factor that maxes out at about 8 years of age.

[Anonymous]

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@Anonymous wrote:
I had read somewhere that once a card is a certain age, it doesn’t help your AAOA beyond that point. Like for example, a 14 year old card and a 25 year old card give the same AAOA.

Can anyone tell me what is they max age for a card’s AAOA?

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A card has an age, but not an average age (AAoA).  Only your entire profile has an AAoA.

Whatever you read was mistaken.  The older an account is, the more it improves your AAoA.

What you might have read is one of two things:

(1)  That an AAoA of 18 does not help you any more than an AAoA of 8.0 (for example).  I.e. that once your AAoA crosses a certain threshold it stops helping your score.  That's likely to be true, though where that might be is guesswork.  8.0 is a common guess.

(2) That Age of Oldest Account (AoOA) also ceases to give you scoring benefit after a certain place.  Where that might be would also be guesswork.  As BBS points out, even if your oldest account is 35 years old, and if FICO stops giving a scoring benefit for AoOA after 25 years, the 35 year old account would still improve your AAoA more than a 26 year old account would.