I recently started credit card hacking. I opened 4 credit card accounts last fall, and just tried to open a credit card from U.S Bank, but was denied. It has been 7 months since I opened an account. They said it was because I have had too many accounts opened within the past year. I have a good credit score (>740), and my credit history goes back to 2013 (from 2013 -Fall 2018, my total available credit was $375 because it was a secured CC). I closed my oldest CC last fall. I have always paid my cards on time. What am I doing wrong?
Local Credit Union - opened in Fall 2018
WF CashWise - opened September 2018
Capital 1 Savor (authorized user)- opened in September 2018
Capital 1 Savor - opened in December 2018
Total available credit from 2013 to Fall 2018 - $375
Total available credit today - $20,000
Current CC debt - $2,000 (I never go above this amount)
Credit Score - >740
Years of working - 1.5 years. I am 24 yrs old if that makes a difference.