Experienced Stoozer - credit rating sense check

Bjn201_2

Hi All,

Firstly let me say I love the info and help given here on the forum!

I have been stoozing successfully for a number of years, and now a lot of the offers have come to an end and I am thinking what to do next! My credit rating is now medium down from high.

My real question is whether I have TOO many credit cards ( never charged interest of course) and whether I have too many overdrafts, which is tarnishing my credit rating (for new cards).

My credit situation (no bank names for security)
(CL is credit limit)

Supermarket card: CL 10.5k bal 1k used for daily spending
MBNA card: CL 6k, bal 4k (money transfer legacy)
Aqua card CL 2.5k 0 ball
Bank x card 1 CL 2.5k bal 2.5k (bal ltransfer)
Bank x card 2 CL 2.8k ball 0
Amex: CL 11k ball 0
Bank y: CL 11k ball 4k (money transfer legacy)
Bank z: CL 1.7k ball 1.5k (ball transfer)

4.2k in overdrafts spread over 4 banks, 700 quid interest free maxed out.

Stooze pot: 25k (earning 3 to 5pc across the standard offers)

The aim of the game is to start again with new cards and offers, but I am concerned that my too many credit cards will put new lenders off?

And closing my accounts will increase my credit utilisation % and thus reduce my score?

Any advice from any expert stoozers would be greatly appreciated!