Too many credit card applications will affect loans. For example, users frequently apply for credit cards in a short period of time, so there will be a large number of inquiry records in the credit report. When lending institutions apply for loans, they will think that users have applied for a large number of credit cards in a short period of time because of lack of funds, thus rejecting users' loan applications without ensuring whether users have repayment ability.

There are multiple credit cards at the same time, and the possibility of overdue will increase. Once there are too many overdue records, it will also affect the handling of various credit businesses in the future.