To apply for a credit card, some people apply repeatedly, and some people refuse to apply repeatedly. Remind everyone that applying for a credit card requires certain skills, and remember that blindly and frequently handling cards is not good for personal credit. A card friend asked, what happens if you apply for a credit card 26 times frequently? Will it affect credit reporting? Look at the detailed explanation of the text.

First of all, whether the application is approved or rejected, it is not advisable to apply for a credit card frequently.

The more credit cards a person holds, the more troublesome it is to manage, and it is easy to overdue due to negligence, thus leaving a stain on personal credit information. If you apply for a credit card 26 times frequently, 26 records will be added to the personal credit information system. If there is too much data, the bank will think that you are suspected of maliciously handling the card, thus reducing the trust in you and greatly reducing the card issuance rate.

So, how much is normal to apply for a credit card, and how long does it take to apply for a credit card?

Generally, it is enough for one person to hold 3-5 credit cards. Too many credit cards are not easy to manage and use, and the extra cards are idle, which is easy to cause hidden dangers. If you hold more than one credit card, it is recommended to choose a good credit card management software to prevent you from forgetting to repay the credit card and causing overdue.

In addition, frequent credit card applications in a short period of time will have a negative impact on personal credit information. It is best to apply again every 1-3 months, especially if the credit card application is rejected. Don't blindly rush to get a card.