@FireMedic1 wrote:Yep. AU accounts help FICO-wise. But some lenders ignore them. From FICO and what accounts get assigned a score:
Disclaimer. Part of the entire credit mix chart. 3's a charm.
Again the title of that chart: Illustrative FICO® Score Scorecard
If you're using that as reference, well, it's not accurate 
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There is a "too many bankcards" reason code on some FICO 04 models but that line is around 20 tradelines FWIW, I don't know if anyone exactly nailed it down but I saw it on mine at 21 revolvers at the time and at least one other "obese" file saw it too. I'm also not certain if that reason code is even in the FICO 8 and newer models other than maybe some industry options which I mostly ignored for any analysis personally.
Then again FICO 8 Classic reason codes provided in CMSes mostly suck due to unfortunate FICO decisions regarding the average consumer so maybe?
