Under normal circumstances, the use of credit cards will not affect the user's personal credit report. However, the use of credit cards has the following three situations that will affect the credit report.

1. Apply for a credit card but don’t use it. Because credit card processing records will be synchronized to the user's personal credit report, if you apply for a credit card but do not open it or use it for a long time, most banks will consider this behavior to be a malicious card application, and will be included in the credit report. It shows that the card is not activated, and it will be difficult to apply for a new card later.

2. Credit card repayments are overdue. If a user makes late repayments for a long time after applying for a credit card or fails to repay, it will have a great impact on the personal credit report.

3. Too many credit cards. The total credit limit of a cardholder is basically stable. Each time you apply for a credit card, it is equivalent to using part of the total credit limit. If you apply for too many cards, it will be more difficult to apply for a new card. Even if you can apply for it, the limit will be reduced. relatively low.

1. Will applying for several credit cards affect your credit report?

Applying for several credit cards will not affect your credit report, but users need to avoid overdue payments and repay on time. , but every credit card applied for will be recorded in the credit report. If you apply for a loan when there are too many credit cards, the possibility of the bank rejecting the loan will increase.

Every credit card owned by the user is a liability. If you want to apply for a loan, it is best to submit good financial proof to prove that you have enough ability to repay the debt after the loan. . Usually you need to submit your bank statements for the last six months.

In fact, users should not apply for too many credit cards in normal times, even if they are able to pay them back. Because multiple credit cards will cause management troubles, if the repayment dates are mixed up, it is very likely that the repayment will be overdue. Generally, the best number of credit cards to hold is 2 to 3.

2. Overdue credit card repayments will affect personal credit, and bad credit will affect the processing of various loans, such as car loans or housing loans. Moreover, the credit report will be kept for a long time after being overdue. It will be kept for 5 years after the overdue return. After 5 years, it will automatically disappear. If it is not returned in time, this overdue record will always be in the credit report and will never be returned. will disappear.

You can usually apply for a credit card through different channels, such as the bank's official website and bank counters. Generally, you can get a credit card faster by applying through the bank's official website, and you can learn more about what each credit card includes when applying through this channel. These benefits allow users to save a lot of money when using them. When applying for a credit card, they can compare at different banks and choose the one that suits them best.