economy
February 5, 2026
Getting a new Bilt or Apple Card soon? How to maximize your credit score during a transition
If you are thinking about your credit score during a transition, consider how affected accounts will show up on your credit report.
TL;DR
- Credit card transitions can impact your credit score, though they are a normal occurrence.
- These transitions can lower the average age of your accounts, which negatively affects your score.
- A hard credit check may occur during a transition, also temporarily lowering your score.
- Keeping old accounts open, even with minimal use, helps maintain a higher average account age and increases available credit, which benefits your score.
- Utilizing open credit cards responsibly and keeping utilization low is key to a good credit score.
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