the more cards i add to my list as i am trying to replace rebuilders with more higher quality cards, my avg acct age keeps dropping hurting chances of better cards... heres my question .....
oldest cards are the worst ones such as low limits, prob no CLIs avail as well as insane apr and annuals broken down to monthly charges... the monthly af i HATE.... once a year hit me with it im fine ...
i have 2 or 3 of those 3- 4.5 yrs old... those combined with my 10 year old mtg avg a nice age...
the rest which some of are better cards are either 2 yrs or less than 1 yr old..
do i drop the worst?? drop a few of the more recent which arent great ? drop none ??
wait a while ???
mtg 2008
merrick 2016 cl1800
cap1 2014 cl1550
cap1 2016 cl1100
credit 1 2015 cl1250
1st premier 2014 cl500
1st premier 2013 cl 300
discover 2018 cl 1800
lowes 2018 cl 300
milestone 2017 cl 300
citi 2018 cl 1500
us bank 2018 cl 1000
the other thing is a few of the older little ones i use regularly usually paying off most of bal monthly but reuse it by the next statement having util always high.... overall avg is 40 ish but on those 1 or 2 particular cards its 80%
should i use a diff card for that ? overall util stays same but shows high for that card i read that can hurt.... thats one that has a monthly AF ... i activly use it because i have to pay them everymonth either way... those cards are 1st prem and credit 1..... they got me where i am i have to give them that but would it or how bad would it hurt me to drop them being they are the oldest
thx
