Nowadays, many people will apply for credit cards, sometimes even more than one. Without knowing the details, they only think that credit card applications are rejected and successful, but they don't consider the harm behind them.

1. Credit card application failed.

There are many cases of failure in applying for a credit card, such as poor qualification and short interval between applying for multiple credit cards, which often affects the applicant's credit and makes the bank suspect that the applicant is suspected of malicious card handling.

2. The credit card application was successful.

Applying for multiple credit cards, a little careless, missed the repayment date of credit cards, which led to overdue and affected personal credit information.

3. Apply for a credit card frequently.

Frequent application for credit cards will lead to too many inquiries in the applicant's personal credit information system, and even if there is no bad credit record, it will leave a bad impression on the bank.

Relevant provisions of China Industrial and Commercial Bank on credit cards:

The CIIS system of ICBC will deduct points according to the number of credit card approvals and inquiries in the last three months. If the score is less than 700, it will automatically enter the grey list and will not issue cards.