Did you take the cycle of cards back, so that a "national credit card" was used as the AZEO card, and got the full set of points back?
Do you have any cards under 12-months aging?
@Birdman7with all of this you will have to take up drinking to keep your sanity Now summarize this in less than one hundred words
+1 for taking up drinking and seeing how it affects retail spend.
Tracking the first year with credit cards: 13 contiguous monthly reports of 28 FICO scores with reason statements for each one.
myFICO Premier subscriber since December 2018 & Mary Richards is my Spirit Guide.