^ Creditors may consider your age if you are: to young to sign contracts (generally under 18), you're
over the age of 62 and the creditor will favor you because of your age, age is used to determine
other factors important to creditworthiness (e.g if your income is about to drop
due to retirement), it's used in a valid credit scoring system that favors
applicants 62 and older.
If there's a noticeable gap in your CV
due to the months or years you took off to travel, use your cover letter to sell it as an experience which gives you an edge
over other applicants.