As we all know, when applying for a credit card, the bank will go to the central bank's credit reporting system to check the applicant's credit record. Many cardholders think that as long as there is no overdue record on the credit report, it doesn't matter. Little do they know that in addition to checking whether there is an overdue record, the bank will also Count the number of inquiries on your credit report. So, can I apply for a credit card if there are too many credit checks? Let’s find out together below.

Can I apply for a credit card if there are too many credit checks? Too many credit checks will have a certain impact on credit card applications. As mentioned earlier, when banks approve credit cards, in addition to checking the overdue records on the credit report in the past six months, they also need to refer to the number of inquiries on the credit report, and handle different inquiries differently. If the applicant's credit record has been inquired more than 10 times within 6 months, which is considered a relatively high frequency, and if the applicant's qualifications are average, then there is a possibility that the applicant will be rejected based on this number of inquiries. It is about 90%; in addition, some banks use a hard query count. If the query count is ≥ 3 times in the past three months, they will directly reject it. After all, in the eyes of banks, the high number of hard inquiries on credit reports also proves that cardholders have high demand for credit cards. Frequent card application operations will cause banks to mistakenly believe that card applicants have an extreme need for funds. They will question the applicant's repayment ability and dare not approve the card. Even if the credit limit is approved, the credit limit will not be very high. I have a friend with good credit, an income of tens of thousands of yuan, and has never applied for a credit card. However, one day he applied for credit cards from 5 banks at once, including many banks with low application thresholds. In the end, only 2 of them accepted the card. , the answer given by the customer service is that her personal credit report has been checked multiple times within a month, from various bank credit card issuers. All in all, too many credit card checks will lead to poor credit reporting, which is not a good thing when applying for a credit card. Therefore, if you want to apply for a card smoothly, it is recommended not to apply for loans or credit cards from multiple banks at the same time, otherwise you may be rejected by the bank due to too many credit checks.