Originally Posted by
Dr_wanderlust
I think the OP should avoid closing cards until they are at least 25 months old and if the annual fee cards have higher rewards than the fee there is no need to close them.
I don't see what's the point of keeping the card at least 25 months vs just keeping it for 11-12 months. As far as I understand, a closed card will still be on OP credit report for at least another 10 years. Even after closed, the account still counts toward the average age, until it fell off his credit report which is 10 years later.