In the process of loan, if there is a multi-head credit, it is easy to be rejected by the institution because the risk is too high. So, long credit is not good? Is long credit bad? If the total amount of credit granted by a credit card in several banks exceeds 1 10,000, even if it is not overdue, it is easy for banks to think that multi-head credit granting has been rejected. Therefore, long credit is considered as bad credit. Many people with multiple credit lines have applied for credit cards or loans in two or more banking institutions, and the total amount of credit lines is relatively high, which often makes banks feel a sense of crisis. After all, if the cardholder is unable to repay after overdraft, it will easily lead to a large-scale overdue, and the bank will be in trouble if it wants to recover the money. How to solve the bad credit caused by multi-head credit? There is only one solution, that is, eliminating multi-head credit. It must be clear whether too many credit cards lead to multiple credits or too many loans are processed. However, in most cases, it is because you have credit cards from more than three banks. After all, it is much easier to apply for a credit card than a loan. In this case, the credit card will be cancelled. It is suggested that it is best to cancel the account rather than return the card. After all, card withdrawal is only the cancellation of a single credit card, but if the bank has multiple credit cards, these are all shared credit lines. Unless the credit card with the highest credit limit is cancelled, it will have no effect on reducing the credit limit. Cancellation of an account can directly cancel all credit cards of a bank, and there will be no credit line after it belongs to a new account.