I recently got a Chase Premier (5,000) limit and Target (1,000) limit. Will this lower my scores? I notic a small drop already from the inquries and it is showing my average age of account being 1yr 4 months. I had bad credit in the past but alot fell off so I have been rebuilding over the last year. Rightnow my scores are between 638-670. I plan to pay these off ontime and just leave a few dollars just to show usage.