@Swatch wrote:There are FICO charts that show that you get 60 points for having 3 bankcards and 50 points for having 4+ bankcards. I know this is just a sample of the model and not the actual numbers, but I have 3 CCs now. Would I probably lose some points for having 4 open CCs instead of 3? (Not counting any points lost for INQs and AAoA changing.)
Would a store card / charge card count as a 4th bankcard or no?
(One reason I want the 4th CC to start now and age is in case one of my CCs gets closed on me.)
No you wouldn't lose points for having a 4th account.
In the short run you would lose points for inquiry, shortening AAoA, and resetting age of youngest account.
