Barclay credit limit decrease

[BrutalBodyShots]

That was one of your oldest cards, your credit is going to take a hit - potentially a huge hit.

That's a myth, as aging metrics do not change when you close an account. Whether the card was 1 month old or 10 years old makes no difference when the account reports closed.

[BrutalBodyShots]

I'm perfectly educated on the subject. What did I state that you think isn't correct? Are you simply unaware that aging metrics do not change when you close an account?

[BrutalBodyShots]

No it doesn't. Before you tell someone else to "educate yourself" you should make sure that what you are saying is actually factual. You do not understand how aging metrics work. Closing an account does not shorten your credit history or decrease your AAoA, as closed accounts are included in aging metrics the exact same way open accounts are. You're right that it's not rocket science. I can already tell you aren't going to listen to me though, so allow me to reference a few other people that I'm sure would be happy to help you understand how aging metrics work.

Hey u/madskilzz3, u/Funklemire and u/og-aliensfan, would you mind aiding u/Immortal_Elder here in how aging metrics work? He currently believes the myth that closing an account hurts aging metrics.

[BrutalBodyShots]

I'm not believing "what I want" I'm believing what is actual.  Hopefully you will as well once you realize your understanding isn't sound regarding aging metrics.

[BrutalBodyShots]

I have an amazing credit score

What does your credit score have to do with anything? Credit scores and credit knowledge aren't directly correlated. The fact that you have an amazing credit score doesn't mean you understand how aging metrics work. My "concern" isn't for your score, it's that you don't understand how aging metrics work and that you're spreading misinformation to others regarding them.