22 years is a heck of a plus on your credit scores.
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Many of us don’t give a hoot about scores, especially those of us who owe nothing to nobody and don’t plan or need to. I had AMEX cards of various colors over the years and finally wondered why I thought I needed it. It’s all hype, credit scores and color of card status and the false sense that you had to have AMEX to be worthy of anything. Nonsense and bull!!!!
I cancelled after 32 years of having one and now charge to other brands and payoff monthly just as I did with AMEX and discovered that I really am a person even without AMEX. There are thousands of us out there who really exist without AMEX and we get along just fine without it.
They affect your insurance rates, employment at many places, any loan you make - emergency perhaps, credit offered for medical bills, and on and on. Credit scores affect a lot more than most people think. More than they should, but they do.