Low CL / avg holding down score?

[SG43]

Current scores in the 750-775 range. Current cards

cap1 QSone. 5y 9m 10,250 0%
disc  IT   5y 1m 13,000 0%
citi DC    5y 1m 2,750   0%
Amex P  3y 6m NPSL   0%
ChaseSP 3y4m 10,000 0-30%

BBVACP  2y2m 10,000 0%
citiDP.     1y7m 8000   0%

chaseFU. 6m.   500.  0%
Apple. 5m.   5500. 0% 
Cap1 ven1 5m  500. 0% (just autocli to 750)

One installment cap1 for a truck. 25k, 12k remaining. One personal loan through bank(secured by savings) , 30k, 20k remaining. 12m @2.5k. Both under 3% interest

closed accounts cap1 plat (6yrs, closed 1.5y ago, limit 500) first premiere 6yrs, closed 1.5y ago limit 500). Citi simplicity auto closed from inactivity 6 mo ago at 2y old limit 3k.

i'm only about 9-10 months from a PC on Chase SP to FU and reapply for chase SR.

I'm at 5/24 right now so no more new cards for a while as I wait for DP to age a few more months and wait for the chase reserve.

i only use the SP and Amex

i don't want to close the disc, QS or DC because of age of account- I don't care about the others. I applied for the venture1 thinking it was the venture, and realistically won't ever use it for anything. Are the low limits of these cards hurting my overall score? Is closing them a bad idea or will it make no difference?

citi is offering me a PC to the rewards+ on the diamond preferred. Should I take it?

are there any other better choices for me to PC to? 

I use the Amex strictly for work to keep my reimbursable expenses separate. I auto all my bills to the sapphire preferred, except AppleCare and Apple products to the Apple Card. 

I just opened a navy federal checking as well, so I will maybe do the navy federal trifecta after the CR and some hard pulls drop off.

[SG43]

Current scores

https://ibb.co/hmRfTRy

[Anonymous]

@SG43 Unless I'm missing something how are you at 5/24?  Your own lists shows you at 4/24.

Your scores are not held down by your credit limits.  The most important factor currently affecting your scores are the new accounts opened in the last six months.  First you are likely penalized for hard pulls and that penalty remains scoreable for one year.  Second, new accounts lower your Average Age of Accounts and reset your Age of Youngest Account; both of these will negatively affect your score.

[SG43]

Thank you for the correction. Yes I'm at 4/24. By the time I will be eligible for the sapphire promotion again I will be at 4/24. My last approvals were for very low CL's by my scores were much lower. Is there another SUB I should snag since I will be at 4/24 again when I am eligible for the chase; or just garden until then? Most of my spending for the next year will just be bills/groceries/food catatory. I have a corporate fuel card and company supplied vehicle so I don't spend much on fuel. Maybe 100-150/mo

[SG43]

EQ778

AAoA 3y10m

AoOA 12y7m

AoNA 4m

inquiries 3

0/0/0/0/0

util 6%

TU 787

AAoA 3y

AOOA 6y1m

AoNA 4m

inquiries 1

0/0/0/0/0

Experian 780

AAoA 3y

AOoA 6y 1m

Aona 4m

inq 3

0/0/0/0/0

if I was to sign up for something else to utilize a sub while waiting on the CSR, ideally I'd want it to pull TU as it only shows 1 recent inquiry. 

[dragontears]

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@SG43 wrote:

EQ778

AAoA 3y10m

AoOA 12y7m

AoNA 4m

inquiries 3

0/0/0/0/0

util 6%

TU 787

AAoA 3y

AOOA 6y1m

AoNA 4m

inquiries 1

0/0/0/0/0

Experian 780

AAoA 3y

AOoA 6y 1m

Aona 4m

inq 3

0/0/0/0/0

if I was to sign up for something else to utilize a sub while waiting on the CSR, ideally I'd want it to pull TU as it only shows 1 recent inquiry. 

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What is 0/0/0/0/0?

[SG43]

0/0/0 days late 0 derragatory 0 collections etc