Will have an impact, annual fees and personal credit will be affected.

If you really don't want some credit cards, it's simple. Call the bank credit card hotline and cancel this card. Remember to cut off the card after cancellation to prevent it from being stolen.

Be sure to apply for a credit card according to your own needs. Don't blindly apply for a credit card because of the lure of salesmen or some intermediaries. When applying for a credit card, you must choose a bank outlet or a third-party institution authorized by the bank.

First, the annual fee is difficult to collect.

Under normal circumstances, there is no annual fee for banks that have not activated the gold card, but whether you activate the credit card or not, the annual fee for the platinum card will be charged correctly. Therefore, don't take it for granted that there will be no annual fee for applying for credit card deactivation. Moreover, although most banks stipulate that inactive credit cards do not charge an annual fee in the first year, they will charge an annual fee in the second year. The expenses incurred by an inactive credit card will be credited to the cardholder's account in the form of credit card arrears. Failure to repay credit cards on time will generate high interest and liquidated damages, and will also affect personal credit information.

Second, personal credit is affected.

After you apply for a credit card from the bank, the bank will check your personal credit information, and this record will be kept in your credit information system. If you apply for a credit card too much without using the record, the bank will think that you are suspected of maliciously handling the card. Moreover, the total number of cards and the total amount of credit you hold will change. When you really need a credit card, it is easy to be rejected by the bank.

Credit card applications, whether activated or not, will be recorded in the central bank's personal credit information center. If there are too many credit cards in your account, the bank will consider your debt ratio and repayment ability when you apply for a card next time, which will affect whether the bank approves your credit card application and credit card limit. Moreover, if you apply for a credit card from the same bank, then the bank is likely to reject your application. Therefore, if the credit card you applied for is not activated, it will affect the future card opening.

Third, it causes information leakage.

If there is someone with ulterior motives around you, after he knows your personal identity information, he will probably activate it under a pseudonym, because it is very simple to activate a credit card now, just know your ID number and hold your mobile phone for one minute.

Does credit card affect credit reporting?

Does not affect. When using a credit card, there are three situations that will affect the credit information:

1. Apply for a credit card but don't use it. Because the credit card processing record is synchronized with the user's personal credit information, it is difficult to apply for a new card after applying for a credit card, but it will not be used for a long time after processing. Most banks will regard this behavior as a malicious card, and show that the card is not activated in the credit report.

2. Credit card repayment is overdue. If the user does not return the credit card for a long time, it will have a great impact on personal credit information. Overdue bad records will be recorded in personal credit information records. If you don't return it all the time, you will be blacklisted, which will affect your personal credit information. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly, and shall not tamper with them. If the overdue period exceeds three months or more, the bank will freeze the credit card and list it as a prohibited customer (blacklist), and at the same time enforce++with credit card and malicious overdraft.

3. There are too many credit cards. If the number of credit cards is too large, it will be considered that the cardholder has taken the current behavior, which will affect personal credit information. The total credit of cardholders is basically stable. Every time a credit card is issued, it is equivalent to using a part of the total credit line. If there are too many cards, it is difficult to apply for a new card. Even if it can be done, the credit line will be relatively low.

: Will frequent use of credit cards affect the credit report?

1. Frequent use of credit cards, timely repayment, no overdue, little impact on the cardholder's credit information, good repayment record, but to a certain extent, it can prove that the cardholder has strong repayment ability and good repayment will.

2. However, if there are multiple credit cards in the name, the total credit line is too high and the credit line is used more, the cardholder's debt ratio will be higher, and the debt ratio is also a factor that other lending institutions or banks are very concerned about when reviewing applicants.

3. If the credit card is frequently used and maxed out, it will be more difficult to withdraw cash from the credit card, because when inquiring about the credit information of the cardholder, it is found that the cardholder's debt ratio is very high, and the bank will think that the cardholder is short of money, worried about repayment ability, unwilling to withdraw cash, and may even reduce it.

When using a credit card, you must remember to pay back on time. Many banks will have a grace period of 2-3 days for repayment. If you can't repay in time on the repayment date, you should try to repay within the grace period of repayment, which is not overdue. Once overdue, the overdue records will be consulted, and a certain penalty interest or late payment fee will be paid, which will increase the repayment pressure. Repeated overdue repayment may even lead to direct freezing of credit cards.

Second, the benefits of credit cards.

1. Handling credit cards can effectively solve the problem of insufficient funds for users. You don't need a loan to apply for a credit card, nor do you need to borrow money from others;

2. Credit cards have interest-free time, so users can put money in and pay it back within the repayment time, which effectively improves the utilization rate of funds;

3. Credit card issuers will cooperate with merchants, and users can enjoy preferential treatment;

4. Credit card repayment on time can increase a good credit record.

Third, the disadvantages of credit cards.

1. Some service personnel may oversell during the cardholder's consumption period, or steal credit cards for other business consumption, which may happen in entity or network virtual business;

2. The credit information system is not perfect, and there are still some phenomena such as lax review of bank credit, insufficient protection of citizens' own information security and serious credit card crimes;

3. Users' blind credit card spending may lead to excessive consumption and irrational consumption.

4. There is no interest-free period for credit card cashing, and users need to be charged a handling fee.

Does more credit cards have an impact on credit reporting? Only these situations will have an impact.

Because credit cards have an interest-free period, many people will choose to use credit cards for++when the economy is tight. It is convenient to have more credit cards, which can keep the data flowing for a certain period of time without interest. However, some people worry that more credit cards will have an impact on credit reporting, depending on the specific situation. Let's have a look.

Does more credit cards have an impact on credit reporting?

When applying for a credit card, the bank will check the applicant's credit information. If there are many inquiry records of credit card approval, for example, there are five or six inquiry records a month, it is easy for banks or lending institutions to think that the applicant is in urgent need of funds and the economic situation is not good, which will have a certain negative impact on the applicant's credit information.

If the credit card application is intermittent, such as applying for six credit cards a year without centralized application, this situation will not have any negative impact on credit information.

If there are many credit cards, each credit card is overdrawn, the debt ratio is high, and the cardholder's income is low, so he wants to apply for other loans. Considering that the repayment ability of the applicant will be discounted, the loan amount may be lower, or the loan will be rejected by the lending institution. Of course, this is only a reference information point for lending institutions, and it may not have an impact.

If there are many credit cards, the repayment is overdue, for example, the number of overdue times exceeds 6 times in half a year, which has a great negative impact on credit reporting. If you want to apply for a loan, you will basically be rejected.

Under normal circumstances, you have many credit cards, so you can repay them on time. The credit card loan repayment record on the credit report proves that the cardholder has good comprehensive repayment ability and good repayment record. He is a man of his word and wants to get a loan more easily.

Whether more credit cards have an impact on credit information depends on how cardholders use credit cards. Many banks have credit cards with preferential consumption. Using more credit cards can also save a lot of money, repay on time and spend reasonably, which is conducive to credit investigation.

Will credit cards affect credit reporting?

The handling and use of credit cards must be the credit report at the meeting. Credit card account is an important part of credit record in credit report, and credit card business can be divided into normal, frozen, stop payment, bad debt, account cancellation and inactive. The normal use of credit cards will be recorded in the personal credit report, but it will not have a negative impact on personal credit.

There are three situations that will affect credit reporting when handling credit cards:

1, got a credit card but didn't use it. Because the record of credit card processing is synchronized with the user's personal credit information, it is difficult to apply for a new card after applying for a credit card but not using it or not using it for a long time after processing. Most banks will think that this behavior is a malicious card, and the card is not activated in the credit report.

2. Credit card repayment is overdue. If the user does not repay the credit card for a long time, it will have a great impact on personal credit information. Overdue bad records will be recorded in personal credit records, and if they are not kept, they will be blacklisted, which will affect personal credit information. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. If it is overdue for more than three months or more, the bank will freeze the credit card and list it as a prohibited customer. At the same time, there will be++credit card++and malicious overdraft, and++will be enforced.

3. There are too many credit cards. If the number of credit cards is too large, it will be considered that the cardholder cashes out, which will affect personal credit information. The total credit limit of cardholders is basically stable. Each credit card is equivalent to using a part of the total credit limit. If there are too many cards, it will be more difficult to apply for a new card. Even if it can be done, the credit line will be lower.

Will more credit card applications affect credit reporting? What will be the impact?

Will have a certain impact.

Apply for multiple credit cards: Credit information may be affected.

1. Impact on personal credit

First, after applying for multiple credit cards, because there are too many credit cards, it is inevitable to forget to repay. If you forget to repay for many times, long-term delay in repayment will lead to a decrease in the credit line.

Second, applying for multiple credit cards will increase the credit burden. As long as you apply for a credit card, there will be a clear credit record whether you have passed the card or not. When you apply for a credit card, there will be a corresponding record on the corresponding credit record. The more applications, the heavier the burden of credit records.

Third, it will affect the credit card application rate in the later period. If the applicant applies for multiple credit cards for various reasons, but fails to open a card, in this case, if he wants to apply for other credit cards, the approval rate will drop.

Fourth, it is best not to open a card or cancel it directly after application. If you apply for a lot of credit cards, and some of them are too low to use, you'd better choose to return them, and the record of returning them may also be recorded in the credit report.

2. Too many applications-not activated

Nowadays, it is very convenient for many platforms to apply for credit cards. It is inevitable that sometimes they apply for too many credit cards when their brains are hot. Calm down and regret it, just put the card on hold, mistakenly thinking that nothing will happen as long as it is not activated, but on the other hand, applying for non-activation will also have adverse effects.

First, if it is not activated, an annual fee may be charged. The China Banking Regulatory Commission stipulates: "Before the cardholder activates the credit card, the banking financial institution shall not deduct any fees, except that the cardholder authorizes the banking financial institution to deduct the fees by means of telephone recording or written electronic signature of the customer service center."

Under normal circumstances, if the bank is not activated, Puka Gold Card does not charge an annual fee. However, whether the Platinum Card activates the credit card or not, the annual credit card fee will be charged correctly.

The expenses incurred by an inactive credit card will be credited to the cardholder's account in the form of credit card arrears. Failure to repay credit cards on time will generate high interest and liquidated damages, which will have an impact on personal credit information.

Second, the hidden dangers of swiping an inactive credit card cannot be ignored, because some credit cards are very simple to activate, and some can be activated only by verifying the ID number, and there is a risk of being swiped after being activated by others. At the same time, if you apply for multiple credit cards, it will inevitably lead to improper storage. Once the magnetic stripe information of a credit card is lost, it will be stolen by criminals, and personal information will be revealed in addition to stealing.

Third, inactive credit cards will also be inactive for a long time in the credit history. Some banks will have doubts about your spending power, so they will automatically cancel after a period of time and will not be able to use them in the future.

In addition, if the cardholder wants to apply for a new credit card or loan in the future, it may be affected because the previous card has not been activated. Because banks will think that cardholders have integrity problems or no such demand, it will reduce the credit card loan amount and even affect the success rate of credit card and loan approval.

If you don't want to use more than one credit card, don't forget to cancel it in time, so as not to worry about it and affect your personal credit.

Author: Qi Mei produced: understand the wealth emperor.

Applying for a large number of credit cards in a short period of time will have an impact on the credit report. Some people can't care too much because they need money badly. It often happens that they apply for more than five credit cards. At this time, the card they applied for later is actually very difficult to approve. Even if they are lucky enough, the amount will not be too satisfactory.

In general, it is best to apply for a credit card no more than twice a month. No matter whether it is approved or not, don't apply for a credit card again in the short term. As a reserve account, credit card plays a great role, so try to apply when it is not needed in an emergency. It's too late to apply for a credit card at the last minute. After all, the money in the credit card is not your own, but borrowed from the bank for short-term consumption or emergency use. If the money is badly needed, it is better to apply for a loan from the bank as much as possible.

If you apply for a large number of credit cards in a short time, there will be a large number of credit inquiry records, so even if you want the loan bank to see so many inquiry records, it will not be approved. Therefore, if you apply for more credit cards, it will definitely affect the credit report. Try not to do this.

Hello, I'm Li, and I'm honored to answer your question.

Applying for a credit card many times in a short period of time will definitely affect the credit investigation.

Every time I apply for a credit card, I will check the credit, and I will leave a record of the inquiry on the credit. Under normal circumstances, the number of credit inquiries shall not exceed 3 times a month and 4 times for two consecutive months. If the number of credit inquiries exceeds, both loans and credit cards will be rejected.

Therefore, it is recommended that you apply for no more than three credit cards a month and no more than four credit cards for two consecutive months.

In the long run, holding multiple credit cards, as long as it is not overdue, has basically no impact on credit reporting.

However, we should pay attention to one premise, that is, the credit card usage limit will be reflected in the credit investigation. The amount of credit card use will be regarded as your debt.

If the use of credit cards is large, the liabilities reflected by credit information will be relatively high. High debt will have a certain adverse impact on subsequent credit cards and loans.

If you have financial thinking, you will hide the credit card debt, so the impact is not great.

How many credit cards an individual can handle depends on his own needs, and there is no clear limit.

I hope my answer can inspire you, and thank you for reading.

Chief investment officer commentator Xi Mei believes that applying for multiple credit cards will not affect your personal credit information, but you need to repay on time. I don't have many credit cards, so I asked my friends who handle many credit cards around me. Their unified caliber is to repay on time.

When you apply for a new credit card, the bank will investigate your personal credit report. If you can, you can apply for a new credit card. After the inquiry, it will show that the credit card has been approved, and the words of approval or rejection will not be displayed.

Even if you fail to apply for a credit card, it will not affect your credit information. The information standard of each bank audit is different. I'll give you a card according to your standard.

If you are rejected by many financial institutions for many times, it will be a stumbling block to your future application for credit cards and loans.

To sum up, more than half of the cards are repaid on time, which will not normally affect personal credit information.

Thank you for your invitation. I have worked in a bank for many years. Let me answer this question briefly!

To be sure, too many credit card applications will affect personal credit information, mainly in the following aspects:

First, ask for records. Contacting seven banks like this will leave seven inquiry records. Bank loans, more than six times in half a year, it is possible to refuse loans.

Second, the debt situation, too many credit cards, can be seen in the credit report, which may lead to your excessive debt, or high potential contingent debt. When approving bank loans, you will be more cautious if you find too many credit cards.

Third, if you use all of them, the repayment dates of credit cards of different banks are different, which will easily lead to overdue interest and have a great impact on your credit information.

Above!

In recent years, the credit card business of major banks is in full swing. In order to increase the number of credit card users, many banks have lowered the examination threshold. Therefore, there are many users who have applied for credit cards in recent years, and even some users have applied for many credit cards themselves.

For example, the data of "Overall Operation of Payment System in 2020" released by the central bank shows that by the end of 2020, the total usage of credit cards and debit cards in China will be 778 million, and the per capita credit card will reach 0.55.

However, with so many credit cards in use, in fact, many users have credit cards from multiple banks. For example, some users have seven or eight credit cards, which is normal.

For these users who have multiple credit cards, in fact, many people are blind when applying for credit cards. Sometimes they try to help their friends finish their tasks. Sometimes when they see that banks are doing some work, they apply casually. Sometimes they see some application portals on the Internet and reapply when their fingers itch.

However, many people do not consider the possible impact of too many credit cards when handling credit cards, such as the impact on personal credit reports.

Will applying for credit cards from multiple banks affect the credit report? In view of this problem, we should analyze the specific problems and start from several aspects.

1. Is the credit card overdue?

The core part of judging the quality of credit information is to see if it is overdue. If you don't repay in time after applying for these credit cards, it will definitely have an impact on credit information.

Especially those credit card bills that have not been paid back for more than three months in a row, this is basically a blacklist, and this influence is very great. Basically, it is impossible for you to apply for a loan or credit card at the bank.

Of course, if you can repay the loan on time in the process of using the credit card, even if you have seven or eight credit cards, the overall impact will not be too great.

2. What is the credit card overdraft balance?

When reviewing credit information, banks will not only look at whether it is overdue, but also look at an important indicator, that is, the debt ratio.

Under normal circumstances, banks require users' overall debt ratio to be controlled within 70%, and generally require users' debt ratio to be controlled within 50% when auditing. If you apply for many credit cards, the overdraft limit of each credit card is very large, for example, the total credit card amount is 200,000, and each person overdraws 1.9 million, which will definitely have a certain impact on your credit information.

In the bank's view, if the credit card overdraft limit is high, it means that users are very short of money before overdrawing all credit cards, and the potential risk of lending to such users is relatively large.

Of course, whether it may be affected in the end depends on everyone's income level. If everyone's income level is high, even if seven or eight credit cards are overdrawn, it may not have much impact. For example, a person's monthly income reaches 200,000 yuan, but the credit card is only overdrawn by 6,543,800 yuan, which will not have much impact.

On the contrary, if a person's income is relatively low, such as only 5,000 yuan a month, even if his credit card is only overdrawn by 20,000 yuan, it may have certain influence.

3. Did you apply for many credit cards in a short time?

When financial institutions review the credit report, they will also look at an inquiry record, especially the inquiry record of approval. If everyone has applied for several credit cards in the last six months or a year, this is a taboo.

Under normal circumstances, when approving credit card inquiry records, banks will require that no more than six inquiry records be approved within six months. Some banks have strict requirements, even requiring that no more than three inquiry records be approved in the last six months.

If there are too many records of approval and inquiry in the last six months, banks will think that people are short of money, or apply for a large number of credit cards for some special purposes, so it is very risky to borrow money everywhere or apply for credit cards to lend money to such users, so banks will consider it carefully.

Of course, in addition to the above situation, if you apply for a mortgage, the bank's review of credit information will be stricter and the approval will be very strict.

In recent two years, China's regulatory authorities have been very strict about the illegal entry of bank credit into the property market, but in reality many users may be suspected of overdrawing their credit cards as down payment.

Therefore, in order to prevent users from using credit card overdraft as down payment to enter the property market, major banks found that everyone's credit card overdraft is very large when reviewing credit report, regardless of your income. Under normal circumstances, the bank will ask you to pay off most of the bills before giving them to you. If you can't pay these credit card bills, your mortgage application may be rejected.

In short, more credit cards do not mean that credit information must be bad. The key depends on the use of credit cards, especially the overdraft balance and overdue of credit cards. If there is no overdue overdraft balance, the overall impact will not be too great. Even if there are many credit cards, if the credit card is overdue or the overdraft balance is large, it will definitely have a certain impact on credit reporting.

The customer applies for a credit card, which is approved by the bank and is willing to give credit to the credit card. This is pure business behavior, and it is what you want. As long as you use it normally and repay it normally, don't engage in so-called overdue, and use various credit card installment products, in fact, it has no effect on credit investigation, and the credit investigation record is still good.

However, a good credit record does not mean that other financial businesses will remain unchanged in the future. In the future, when financial institutions receive loan applications and open applicants' personal credit accounts, they may have some doubts and concerns. They will ask more questions to applicants and conduct a more rigorous division of labor review. Why do borrowers have multiple credit cards? This kind of behavior is actually against common sense, not a normal personal consumption behavior.

Indeed, if an ordinary citizen goes to work or does business, why does he need seven credit cards? Although the welfare measures of credit cards issued by different banks are different, the essence of credit cards is overdraft consumption and then repayment before maturity. An ordinary normal person needs to overdraw with seven credit cards a month? Therefore, this kind of behavior is abnormal, and naturally it will be more questioned and reviewed by risk control.

In fact, there is no need for applicants to apply for seven credit cards, and there is actually no benefit. The reason is also very simple. Since the country reduced the leverage of personal debt in 2009, the management requirements of bank credit cards have been gradually strengthened. When issuing credit cards, the borrower's total risk credit line must be considered, and excessive credit cannot be granted. So it is possible that even if the applicant applies for more credit cards, the total credit amount added together will not be improved as a whole. There is no point in applying for multiple credit cards.

For example, an office worker with a monthly income of 5,000 yuan may have a total credit line of 30,000 yuan by many banks. Then 1 bank may give 1.5 million yuan, the second bank may give 1.0 million yuan, and the third bank may give 5,000 yuan. Then they met the following bank and found that the applicant's total credit line was sufficient. But it is always a good thing to have one more customer, so it is possible that they will agree to issue credit cards, but the credit line is only 1000~2000 yuan. Does this mean anything to customers?

When credit card holders apply for other financial services, such as buying houses and applying for mortgage loans, the applicant bank may carefully check these credit cards and calculate the quota. If you think that the borrower is using the credit card unreasonably, you will ask for more guarantee or mortgage measures, or ask for more proof of income, and sometimes you will raise the loan interest, which will effectively reduce the loan risk.

To sum up, two or three credit cards are enough for one person. The more, the more trouble you may cause yourself in the future, and the greater the adverse effects.

Whether too many credit card applications will affect credit records should be considered from several levels:

Generally speaking, some people have good credit, strong repayment ability, no overdue or bad credit records, and several card-issuing banks have also issued credit cards for them, so he has many credit cards, no problem. On the contrary, the new card-issuing bank should make an opinion on whether or not to approve according to the approval result of the previous bank.

If someone's repayment ability is not so strong, he can't repay on time normally and form a certain pre-overdue record, then it is definitely not a good thing to have more credit cards, which will inevitably affect his credit record and have a certain demonstration and warning effect on the banks that issue cards later, so the banks that issue cards later may no longer make a decision not to approve through the applicant's application.

Therefore, the number of credit cards is determined according to their actual needs and their credit status, and it cannot be simply concluded that more credit cards will be affected.

The credit card application will be recorded in the credit report, and you will obviously find that you will be marked with credit card approval.

Moreover, if you apply for credit cards from several banks many times in a short period of time, banks can easily judge that you are short of money and have high debts, and it will be troublesome to go to the bank for loans in the future!

In addition, as long as your credit card is activated, even if it is not used, there will be a post-loan management label. Even if you don't use it, it means that the bank will lend you money to help you manage it. Some cards will have an annual fee after activation. The annual fee will be deducted if it is not used in the following year or the annual fee reduction is not up to standard. If it is not returned in time, it will be very troublesome!

It is recommended that you handle no more than 6 credit cards, use them reasonably, and remember that excessive debt leads to empty cards!

Too many credit card applications will really affect the credit report. Where is he influencing? Because you applied for more credit cards, some were approved and some were not. Whether she approves or not, she always checks your credit report. Once the number of inquiries about the credit report is increased, the bank thinks that you may not have enough money, so borrow more or something. This is good for you. This personal influence is not very good. Basically, if you apply for a credit card more often, it will have this effect.

Of course, there is no malice in this aspect. In fact, the bank suspects you personally, which means that the credit performance ability is not so high, so you have to keep borrowing to complete the repayment. In fact, these inquiries about your credit report have not caused any stain on your credit. Therefore, the landlord does not have to worry about the impact on your future loan, nor how to apply for a credit card. Anyway, the impact is indeed such an impact.

It's quite positive to tell you, because I applied for it myself, and I have about 15 credit card. My credit report is full of three blockbusters, with more than 200 inquiries. Then I also asked the person in the center of the credit reporting agency, and he said that the impact was basically the same as this one, and there were basically no other impacts.

But in the end, I still have to advise the landlord not to handle too many credit cards, about four or five are enough, because you have too many credit cards and the date of your bill can't be reversed. When you manage your own credit card, it will be very confusing, and you won't know which credit card to return. So I suggest the landlord not to do too much, just four or five, thank you.

Does credit card have an impact on credit investigation?