Credit card/rating when FIRE'd

[keyvaluepair]

Kinda new at this FIRE thing, so please be gentle :-).

(1) We currently have a BofA account in which we hold $ for a year worth of expenses. The account comes with a credit card.
(2)  I'd like to move out money from the BofA account that exceeds our max yearly spend over the last 5 years and stick it in 1 year T-bills for the next year.
(3) Zero debt and have paid credit cards off every month for the last 20 years.
(4) We both have perfect credit to date, but given that our salaries are now zero, I've no idea as to what that means for credit rating as per getting a new card - since the card appears to be linked to our "preferred status" in BofA.

So, for those who are FIRE'd and have no income other than their investment draw downs, what's the credit rating and credit card story? Which card should I apply for?
thanks
kv

[nereo]

I'll focus on your credit rating

Basically, the three companies that generate credit ratings each have their own semi-private way of scoring your credit worthyness, but in essence the following five criteria will be used:
1) Payment history
2) Amount Owed to various lenders
3) Length of credit card history
4) Recently opened lines of credit
5) Types of credit used

That's also roughly in the order of importance relative to your credit rating.
Notice the one thing it does NOT include is income.  Yes, you read that right.  Your credit score is independent of how much $ you earned this year or last year or any year.

So:  If you are a early retiree with no debt and a great payment history you'll remain near the top of the credit score ladder.  Keep at least one credit card open (preferably one you've had for many years).  Ironically, having no mortgage and no car loan and no student loan can hurt your credit score, as you will have fewer types of credit (#5) and the ratio of available credit to credit used (#2) will be skewed.  If you scale down to just one credit card and beg the company to reduce your maximum balance to $2k to reduce your liability this (ironically) can also have a negative impact as you'll appear on paper as not having a lot of credit available.

tl/dr: don't worry about it, keep a few credit cards open and continue to make payments on time and your credit score will be fine.

[keyvaluepair]

Thanks a lot @Nereo. We'll contact our companies to increase our credit lines. Will also apply for a couple of them that are FIRE recommended.

[Revelry]

nereo nailed it.  I will add that income may matter when applying for new credit since it affects your ability to repay any debt.

Regarding your first point, your BofA account does not "come with a credit card."  It is a checking or savings account and a separate credit card account.  From a credit card rewards standpoint, it's pretty hard to beat Platinum Honors with the Travel Rewards card for 2.625%.  Consider opening a Merrill Edge/Merrill Lynch account to hold your T-bills and keep your BofA status.

[nereo]

Thanks a lot @Nereo. We'll contact our companies to increase our credit lines. Will also apply for a couple of them that are FIRE recommended.

You don't need to go overboard.  What matters with credit cards is i) length (# of years), ii) payment history and iii) total limit.
If you have a couple of cards that you've had for several years, and each card has a limit of a few thousand dollars you will be just fine.
The only concern is if you close all your older accounts and opt for a single card with a low maximum.

Another point to consider is how much your credit history matters at all once you have no debts and lots of savings.  Do you foresee a need to take out a large loan in the future?  If the answer is "no" stop stressing - even if you pare down to a single card with a low max your rate won't suffer that much because you still have a long history of (according to you) on-time payments.
Many people here deliberately sacrifice their credit score by "churning" to reap the substantial rewards one can get from credit cards.  It's very possible to get free airfare and hotels - enough to go on a week+ vacation every year, but it will ding your credit score somewhat.