See I don’t have nearly that credit limit. I have requested more for my current cards like every 6 months or so but always very small increases. That’s why I feel like I need to open a new line and try to get the max amount limit I can?

Keeping low balances and higher limits is best. Have you thought about a heloc? I know rates suck now, but maybe get a heloc and use it just a little? Like take a small amount and pay it back pretty quickly as not to pay much in interest? Pay off your car or some other higher interest debt, then pay down the heloc quickly?