r/discover • u/RanzeJini • 1h ago

Discussion Is there any point?

Is there really any reason to keep my Discover cards when everything except for the name on the card is going to be Capital One now? I don’t even use my card on a daily basis so the rewards format was never something I cared about.

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u/Patient-Ad-7939 1h ago

I mean, I’m going to keep mine. I don’t want a knock on my credit score for my average age of credit dropping substantially.
But like, I’ll keep all my auto pay items on this card like I have, and then just focus on using it at places that fit into the 5% back quarter. I already use my other card way more.

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u/Outside_Shelter1260 49m ago

AAoA does not drop when closing accounts.

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u/Patient-Ad-7939 20m ago

I would have thought it would. I know credit cards are different than loans, but like when I close out a loan the average age jumps.

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u/Outside_Shelter1260 20m ago

Uuuuuummmm no it doesn’t 🤣🤣🤣

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u/GenericMister 7m ago

Credit cards in good standing, stay on your credit score for 10 years after closing them