I was reading comments to some blog postings the other day and one said something to the effect that carrying a "zero" balance on a credit card for 6 months or more (which I take to mean neither charging anything on that card nor carrying a revolving balance during the six-month period) removes that card from the "average age of accounts" (AAOA) calculus. That's the first I've heard of this, and a quick search didn't turn up the same information in other places. Has anyone else heard the same? If so, do you have a good source confirming that "rule"? Related question going the other way: Another blogger has stated that canceling a card does not affect your AAOA until the canceled card drops off the credit report (about 7 to 10 years later), and I've read this on other sites as well, but never on an "official" one. This seems exactly contrary to the earlier comment (different blogs, though), since a canceled card would automatically have a zero balance. Does anyone know whether that statement is accurate?