Will replacing oldest credit card destroy my average age of credit.

[kremonis]

I am an un-apologetic credit seeker. As a result, my average age of credit hovers around 4-5 years. There is one credit card that is several decades old. Without that credit card, my average age of credit would be even lower 1-3 years.

This old credit is expiring soon and the customer service rep said they sent out a replacement a long time ago. But I never received it. The CSR suggested I get a replacement for this credit card.This is a NFCU credit card BTW.

If I do get a replacement credit card will it reset my Average Age of Credit on the new card or will it carry over?

[pinkandgrey]

I could be misreading your question, but it sounds like you're simply getting a new piece of plastic. The account details won't change just because you're getting a new physical card. So, if that's your query, you're all good and your account age won't be affected. 

[TSlop]

If they are just sending you a new replacement card, nothing will change. If they are changing your account number with the new card, it will likely still have the same history. My BoA card from 2014 was replaced recently due to fraud, and the same history is showing on my credit report.

[kremonis]

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@kremonis wrote:

I am an un-apologetic credit seeker. As a result, my average age of credit hovers around 4-5 years. There is one credit card that is several decades old. Without that credit card, my average age of credit would be even lower 1-3 years.

This old credit is expiring soon and the customer service rep said they sent out a replacement a long time ago. But I never received it. The CSR suggested I get a replacement for this credit card.This is a NFCU credit card BTW.

If I do get a replacement credit card will it reset my Average Age of Credit on the new card or will it carry over?

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@TSlop, @pinkandgrey 

This would be treated as if the credit card was stolen. Therefore new card new number.

[TSlop]

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@kremonis wrote:

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@kremonis wrote:

I am an un-apologetic credit seeker. As a result, my average age of credit hovers around 4-5 years. There is one credit card that is several decades old. Without that credit card, my average age of credit would be even lower 1-3 years.

This old credit is expiring soon and the customer service rep said they sent out a replacement a long time ago. But I never received it. The CSR suggested I get a replacement for this credit card.This is a NFCU credit card BTW.

If I do get a replacement credit card will it reset my Average Age of Credit on the new card or will it carry over?

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@TSlop, @pinkandgrey 

This would be treated as if the credit card was stolen. Therefore new card new number.

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Gotcha. At least with BoA, my 2 fraud-replaced cards each retained their account history after receiving a new number and card. I'd assume it would be the same for you, but I don't know if every company is the same.

[AverageJoesCredit]

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@kremonis wrote:

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@kremonis wrote:

I am an un-apologetic credit seeker. As a result, my average age of credit hovers around 4-5 years. There is one credit card that is several decades old. Without that credit card, my average age of credit would be even lower 1-3 years.

This old credit is expiring soon and the customer service rep said they sent out a replacement a long time ago. But I never received it. The CSR suggested I get a replacement for this credit card.This is a NFCU credit card BTW.

If I do get a replacement credit card will it reset my Average Age of Credit on the new card or will it carry over?

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@TSlop, @pinkandgrey 

This would be treated as if the credit card was stolen. Therefore new card new number.

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But not new account. No affect to your aaoa. 

[kremonis]

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@AverageJoesCredit wrote:

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@kremonis wrote:

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@kremonis wrote:

I am an un-apologetic credit seeker. As a result, my average age of credit hovers around 4-5 years. There is one credit card that is several decades old. Without that credit card, my average age of credit would be even lower 1-3 years.

This old credit is expiring soon and the customer service rep said they sent out a replacement a long time ago. But I never received it. The CSR suggested I get a replacement for this credit card.This is a NFCU credit card BTW.

If I do get a replacement credit card will it reset my Average Age of Credit on the new card or will it carry over?

---

@TSlop, @pinkandgrey 

This would be treated as if the credit card was stolen. Therefore new card new number.

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But not new account. No affect to your aaoa. 

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@AverageJoesCredit 

Thanks. I was told that the new card was was mailed early April. Should I wait and see if it shows up or go a head and get a replacement card?

[SouthJamaica]

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@kremonis wrote:

I am an un-apologetic credit seeker. As a result, my average age of credit hovers around 4-5 years. There is one credit card that is several decades old. Without that credit card, my average age of credit would be even lower 1-3 years.

This old credit is expiring soon and the customer service rep said they sent out a replacement a long time ago. But I never received it. The CSR suggested I get a replacement for this credit card.This is a NFCU credit card BTW.

If I do get a replacement credit card will it reset my Average Age of Credit on the new card or will it carry over?

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A replacement card doesn't affect the age of the account.

[805orbust]

All of the above PLUS your decades of history from the current account isn't going anywhere for 10 years. Don't let it spoil your weekend.

[expatCanuck]

I'll add that one can even do a product change, and the age of the card is unaffected.

My BoA Travel Visa and Citi Double Cash both report as being older than those cards have existed, because they inherited the start date of the cards they were changed from.