;? Friends who have applied for a credit card should know that every time you apply for a credit card, regardless of whether it is approved or not, as long as your application is checked by the bank, a credit card approval record will be left on the credit report. , the more credit card applications there are, the more such inquiry records will be. So, what should I do if there are too many credit card records in my credit report application? Let’s take a look.

What should I do if there are too many credit card records in my credit investigation application? Many people may think that no overdue credit report means a good credit report, but this is not the case. You must know that although many people are not overdue, there are too many hard inquiry records on their credit reports. It is also a bad credit report if they cannot spend more money on their credit reports. Credit card application records are also a type of hard inquiry record. It is conceivable that if there are too many credit card applications, the credit report will be bad. Nowadays, when applying for a credit card loan, you have to check your credit report. If you don’t want to be rejected, you have to find a way to solve the application record on the credit report. You need to know two things. 1. Credit card application records cannot be deleted: Inquiry records on the credit report include personal inquiry, credit card approval, guarantee qualification review, post-loan management, loan approval, and objection inquiry. No matter which type they are, they are not supported. Manually deleted files will only be retained for 2 years and will be automatically deleted upon expiration. 2. It is best to maintain your credit report for a while before applying: There are also skills in maintaining your credit report. On the one hand, you must maintain it, and on the other hand, you must control it. Maintaining means that the credit business that has been processed must be repaid on time without being overdue; control means trying not to let the credit report be inquired again, that is, suspending applications for any business that is listed on the credit report. If possible, the best time is more than 3 months. The above is the relevant introduction to "What to do if there are too many credit card records in your credit application". I hope it will be helpful to everyone.