I have a unique situation. My AAoA was over 8 years and I consolidated my student loans which lowered it to 2.5 years and my scores to a hit as well.

I guess the consolidated loan is seen as a new account.

Around the same time this happened, I had just snagged the WF Propel. Another new account.

My Vantage scores are 740’s and FICO is over 750 and growing depending on FICO 8 or FICO 9. The Propel is about to be 6 months old.

I always see on the CK app that 2.5 years for AAoA is not great. And getting another SUB would obviously lower it.

No clue which SUB I’d apply for. Chase won’t even give me the Freedom because of an 8 year old BK, so that’s a no on the CSP. I was thinking maybe the Citi Premier for cash back or gift cards. But is it too early?

I have very healthy lines with Amex, Cap1, PayPal credit and WF.