Credit reporting shows that there are too many credit reporting times or too many online loan records. It is suggested that you can apply for a card after 3 months. During this time, you should pay attention to controlling the frequency of applying for loans or cards to reduce the negative impact of credit reporting.

Users who need to handle credit investigation business should not exceed 3 times in 1 month and 5 times in 3 months to avoid higher credit investigation cost. They should also pay attention to banks and card types and apply according to their own time.