the deductible dollar amount is a requirement of the lender, not the insurance company. Many lenders have a “maximum” deductible they’ll approve.
To dispell:
Contrary to Jrods comments, having TOO MUCH availble LOC on your reports can ALSO HURT YOU depending on your financial situation.
But, yes, you damaged yourself with all of the store cards. By constantly opening new LOCs and then canceling them You are lowering your avg. age of account, which plays a large factor. Also, you have yet to establish any kind of credit use, or payment history judging by that.