If I have for example, the following credit cards:
Card A open 10 years
Card B open 4 years
Card C open 1 year
Average account age: 5 years
If I close card C, does it get entirely removed from the length of my credit, and my account age then become 7 years? Or does Card C "freeze" at 1 year, making it harder to age the length of my credit?
The numbers are hypothetical, but I would like to close a card I've had for two years, which I originally opened to save 50k airline miles. They charge an annual fee, which I talked them out of last year (I went to cancel, they told me they wouldn't charge but I had to ask after the fee hit, I said ok, then they wouldn't remove the charge after all until I got them to access the phone records of our call). I don't want to deal with that again, but I'd like to know in advance what will happen to my credit length.
(I understand credit score may also vary due to a change in the amount of available credit.)