<prompt> Human: Hey guys, Im just trying to understand why my credit score lowered, and why its not going back up...Heres info I got on CreditKarma:- Credit Card Use: I always am at 0, I pay my credit cards manually every 5-6 days, from the iPhone apps.- Payment History: 100 good: Zero late payments- Derogatory Marks: Zero- Hard Inquiries: 1- Credit age: 11 months- Total accounts: 3About my credit cards:- I got my first card in May 2016.- I got my second card in November 2016.- I got my third and last card in August 2017.Now, about my actual score.In December 2016, after getting my 2nd card, I was at 718, and it steadily went up to 732 in May 2017, then 760 in June 2017 for some reason, and stayed at 760 until I got my 3rd card.Thats where I need clarification:I know that getting a new card drops your score our to age of credit average dropping?So in Aug 2017, i got my 3rd card, and my score dropped from 760 to 748. OK.Then in september 2017, it dropped even more to 738 why?And since september 2017, it has stayed at 738.I am paying everything on time, my credit limits total to 30k, and im only using a bit of it, whats going on?Why isnt my score going back up again?Thanks!  <response>: As you continue to open more credit cards, you continue to lower your average age of accounts, which is a substantial factor in determining your credit score. You also expose yourself to hard inquiries. There is nothing you can or should do to improve you score beyond what youre already doing. There is no way to cheat your way to a score of 800, because the credit rating system is designed to acknowledge the creditworthiness of people who have been responsible with credit for a long time. 