Excessive credit card inquiries will have a certain impact on your personal credit record. The specific impacts are as follows:

1. Lower credit score: Too many credit card inquiries will be regarded as an indicator of credit risk and may lead to a decrease in credit score. Credit score is an important basis for financial institutions to evaluate personal credit status. The lower the score, the worse the personal credit, and the difficulty in obtaining financial services such as loans and credit cards will increase.

2. Impact on credit approval: Financial institutions will check the individual's credit record when approving applications for personal loans, credit cards, etc. If there are too many credit card inquiries, it will give the financial institution the impression that you are applying for credit frequently, which may have an adverse impact on the application result or even be rejected.

3. Increased borrowing costs: Too many credit card inquiries may lead to a decline in personal credit ratings, causing individuals to face higher interest rates or stricter borrowing conditions when borrowing. This means individuals need to pay higher interest or bear more borrowing restrictions, increasing the cost of borrowing.

In order to avoid the negative impact of too many credit card inquiries on your personal credit, it is recommended to manage your credit card use reasonably and avoid frequently applying for credit cards or loans. Only apply when you really need it, and have a clear understanding of your credit profile before applying to avoid unnecessary inquiries.

You should also pay attention to your personal credit and do not apply for loans blindly. Otherwise, once the big data is used, if you want to apply for a loan again, your comprehensive score will be insufficient and the loan will be rejected. You can obtain a big data report at "Zhiyi Big Data" to clearly understand your status in online loan big data. This database cooperates with more than 2,000 online loan platforms, and the queried data is relatively accurate and complete.