High Credit Limit or Long History

[AyaMai]

Which is better to have a higher credit limit or longer credit history for a higher credit score as an authorized user, 0% utilization on all cards, Credit limit $76,150, late payment will drop in two months & collection in 16 months. AVERAGE AGE 1 yr 4 months OLDEST ACCOUNT 9 yrs 9 months

[dragontears]

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@AyaMai wrote:

Which is better to have a higher credit limit or longer credit history for a higher credit score as an authorized user, 0% utilization on all cards, Credit limit $76,150, late payment will drop in two months & collection in 16 months. AVERAGE AGE 1 yr 4 months OLDEST ACCOUNT 9 yrs 9 months

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If your utilization is already low the addition of more credit limit will not change your scores at all.

[SouthJamaica]

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@AyaMai wrote:

Which is better to have a higher credit limit or longer credit history for a higher credit score as an authorized user, 0% utilization on all cards, Credit limit $76,150, late payment will drop in two months & collection in 16 months. AVERAGE AGE 1 yr 4 months OLDEST ACCOUNT 9 yrs 9 months

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Long credit history is a plus.

Higher credit limits are of no import.

[FireMedic1]

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@AyaMai wrote:

Which is better to have a higher credit limit or longer credit history for a higher credit score as an authorized user, 0% utilization on all cards, Credit limit $76,150, late payment will drop in two months & collection in 16 months. AVERAGE AGE 1 yr 4 months OLDEST ACCOUNT 9 yrs 9 months

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Higher limits really help down the road for new apps. (Dpending on Lender) It shows you can handle more because you have a history of being responsible. But passing AAoA's beyond 2 yrs is just as good for more points. History and time for the long run. Its two fold.