Many small white people apply for credit cards for the first time, and they like the idea of finding out the mistakes. They applied for six credit cards at the same time in one month. They think that if this one does not approve, other banks will approve, so it is not impossible for all six banks to refuse. In fact, casting a net like this can really improve the chances of playing cards, but it will bring some negative effects.

First, the impact of credit investigation and approval.

When the bank approves the card, it will check the applicant's credit report and leave a record of "credit card approval" on the credit report. If he applies for credit cards from six banks at the same time within one month, he will leave six credit card approval records, and it is easy to obtain credit information.

In this case, if you apply for a credit card, it will affect the judgment of individual banks. Because ordinary people are rarely inquired about the credit report, they may refuse to apply for a card to prevent risks.

Second, the credit line will not be very high

Even if you are lucky enough to get off the card, you will find that the general amount is not very high, several thousand, or even 10 thousand, but it will not exceed 20 thousand at most.

There is a simple reason. Credit card limit and card opening will be recorded in the loan information in the credit report. When a bank approves a credit card, as long as it finds that your credit record has other credit card information, it will generally refer to the previous credit card limit and credit line, especially if the credit information is too expensive, it will not give you a too high limit.

Third, it is inconvenient to manage and easy to be overdue.

Even if all six credit cards are issued, the billing date, repayment date and annual fee of different banks are different.

If there is no proper management method, it is easy to confuse them, especially if the repayment date is wrong, the credit card that should be returned is not funny, and it is not worthwhile to eliminate it after five years of repayment.

Summary: It is not a good thing to apply for six credit cards a month. I suggest you apply one by one first. After all, credit cards are about quality, not quantity. It is much better to raise 2~3 cards intensively than to raise 6 cards at the same time.