1. Impact on personal credit information: You need to check your personal credit information whether you apply for a credit card in a bank or not. When banks inquire about personal credit information, they also make records. If it is used too frequently recently, it will have adverse effects;

2. Affect the credit card pass rate: Too many credit card applications will make banks feel that you are short of money recently, increase the risk of borrowing, and also affect the credit card pass rate.

Therefore, it is recommended that credit cards should not be applied frequently, and it is best to apply once every 3-6 months.