Unexplained 50 point score jump?

[Anonymous]

I've been coasting at FICO score for ~730 for a at least a year. All of a sudden the last 2 months according to Citi has jumped to 798.

I havent done anything abnormal. I do carry ~10k debt between student loans and some old balances ive been balance transfering back and forth at 3% APR per year. I'm now at 40 open credit cards and 5 closed based on my wishes. My oldest card is a 5.8 year old secured card. The only difference i see is my AAOC has passed 3 years. Could that be it? 

[AllZero]

Is that CITI EQ Bankcard 8?

I don't recall AAoA at 3 years to be a segmentation threshold.

Have you pulled your 3 bureaus FICO 8 scores?

Have you compared the before and after reports?

Did you have any derogatories or delinquencies?

[AllZero]

What is your AoYA Age of Youngest Account?

[SouthJamaica]

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@Anonymous wrote:

I've been coasting at FICO score for ~730 for a at least a year. All of a sudden the last 2 months according to Citi has jumped to 798.

I havent done anything abnormal. I do carry ~10k debt between student loans and some old balances ive been balance transfering back and forth at 3% APR per year. I'm now at 40 open credit cards and 5 closed based on my wishes. My oldest card is a 5.8 year old secured card. The only difference i see is my AAOC has passed 3 years. Could that be it? 

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No that couldn't be it. It's got to be something else.

[Anonymous]

As AllZero said, if you’re getting it from Citibank, it is the bankcard flavor of 8 that maxes out at 900, not the classic 8 that maxes at 850.

So your 730s, what flavor were they?