Try to choose the counter to apply, which can maximize the success rate of application and reduce the number of inquiries. Before applying for a loan or a credit card, it is best to ensure that the number of loan applications within six months does not exceed five.

(2) Arrange the application cycle reasonably.

The inquiry records of general credit reports will not be eliminated until two years later, and the inquiry records in the last six months have a great influence. Card friends should try not to apply for loans or credit cards intensively. For example, according to the standard of ICBC CIIS system, it is best not to apply for more than two times a month to avoid the situation of continuous application without income.

(3) Don't apply frequently after the application is rejected.

Under normal circumstances, after the initial card application is rejected, it is best to try to apply again after three months. If you apply again in the short term, the bank will not approve it with reference to the initial card application. Re-applying after three months, if you add some economic proof materials, can effectively improve the success rate of card processing.

(4) How many credit cards is appropriate for a person to apply for?

It is the first time to apply for a credit card. For those who have just started to use the card and just applied for a credit card, there is no need to apply for too many cards. One card is enough. Because there are few cards, it is convenient for you to understand some basic functions of credit card use, and at the same time, it also prevents you from forgetting to repay because of more cards, resulting in your own bad credit record. Make good use of your card, repay in time, and keep good credit for yourself.