How bad is it going to affect my credit score if I close my oldest tradeline â?? which is AU account (4 years)? And my credit history is less then 1 year old. Thanks, Denny
Don't do it. Being an AU raises your score and makes your history much longer, keeps B/L ratios low, etc. UNLESS the primary cardholder is in trouble and will be late soon. Being an AU can never hurt if in good standing.