Originally Posted by
bklgafly
I will start closing non functioning cards and move around cl. I wanted to apply my wife to an ink cash as well but I made the mistake of adding her as an authorized user when I applied for mine.. which might have added to her 5/24 count. Should I not be concerned?
Have you spent some time to read the STICKY in the Chase forum on Applying Chase Cards 2017 Onward?
That should answer your question about your wife's being an AU on your Ink Cash. (hint, Ink Cash is a business card).
Closed cards remain in your credit report for 10 more years if not longer, and they continue to be included in the Average Age. What you lose though, is their available credit limits which would mean your aggregated credit lines would be reduced - a 2-edged sword if you will. On one hand, it reduces your risk profile to the banks. On the other hand. it also increases your utilization ratio.
For what you plan to do, it should take some more preparation and then you slowly ramp it up. Sudden surge in spend always is iffy to any bank.