Frequently applying for credit cards (debit cards) will lead to too many credit inquiries. A better remedy is not to apply for any credit loans within a short period of time. As long as there are no new credit inquiry records within 3-6 months, the credit report can be restored, and there will be no obstacles in applying for credit loans later. Of course, different credit loan products have different requirements for credit reporting. Some products require good credit reporting within one year.

The credit inquiry record will only be retained in the credit report for 2 years, and will be automatically deleted after 2 years. Therefore, even if no remediation is done, the credit report will return to normal after 2 years.