<prompt> Human: After nearly 4 years of aggressively paying down my auto and student loan debt, Im about to have all my accounts paid off in full. Its a good feeling! However, now that Im only 3,000 from the finish line Im wondering what the best way to handle the rest of my debt would be to strengthen my young credit history. Other than my two student loan accounts and my auto loan account, the only account in my credit history is an American Express card I applied for 4 months ago. Im expecting my 730-ish credit score to drop pretty hard once I pay off my debts and the AmEx card is my only active account, since the average age of my open accounts is going to drop from 3 years and 7 months to 4 months.Since Im ahead on my payments, my next minimum payment on my car isnt due until May 2018. My student loan debt only shows what I owe for next month, which is 0, so Im not sure when they expect my next payment. My question is, would it be in my best interest to delay making those payments and apply for more credit cards while my score is still good? And would leaving those accounts open longer improve my credit history long-term?  <response>: Youre over thinking this. Just pay it off. Your credit score is excellent, youre going to be debt free, and clearly pretty responsible with your moneyYour score is not going to drop that hardMaintaining a good credit score is easy. Dont borrow more than you can afford to pay, make all your payments on time, and dont have a second thought about it. 