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re: Parents opened card...
Posted on 3/21/14 at 9:13 am to htownjeep
Posted on 3/21/14 at 9:13 am to htownjeep
It wouldn't be in five years. Today? Not so clear cut for me. Although utilization is valued more, I'm only at 35% and falling. On the other hand, closing it would take off a decade+ old account and leave me with my oldest account being three or so years old. That's a significant bit of youth being splashed on my credit report 
1
Posted on 3/21/14 at 9:20 am to Joshjrn
quote:
I'm only at 35% and falling.
Do you know hard numbers on this? And if so, would you mind telling us? Also, do you know your score of all 3 bureaus? If you know your score from each bureau we can probably tell you exactly what to apply for.
It may be in your best interest to get a new card with a decent limit just to lower the ratio and keep the history with your parent's card. I'd be nervous about them missing payments in the past or future though.
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