Frequent application for credit has no adverse effect on your personal credit. But it will affect your credit card or loan. Because I often apply for a credit card. The bank will think you are short of money. In the eyes of banks, they are high-risk customers.

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The bank has regulations on this:

1. If the credit card is overdue for more than six times in two years, you cannot apply for a gold loan. Personal credit card or loans overdue is overdue for three consecutive months, or accumulated for more than six times in two years, so you cannot apply for a loan. Currently one

When handling credit business, banks or provident funds mainly rely on the credit records of lenders in the last two years. Therefore, cardholders who intend to apply for loans should not use credit cards easily, and must ensure timely repayment.

2. Personal credit is not good, and the interest rate of commercial loans should be raised. If some people who want to borrow money have overdue credit cards for many times, personal credit information will be bad. Then you can consider using commercial loans. However, due to the influence of bad credit records in the past, most banks will raise the benchmark interest rate by 10%. Of course, if the overdue period is very serious and too many times, the bank will not approve the loan application.

Therefore, it is recommended to maintain a good credit record. After five years, the credit record will be updated.