If you said that your application for a credit card was rejected because you applied for credit cards from multiple banks at the same time, which led to your credit history being checked too many times, and that was the reason why you couldn't apply for a credit card, would you scoff? Believe it or not, it can only be said that handling multiple banks' credit cards at the same time will really affect your success rate. If you don't believe me, let's take a look at the experience of Xiao Qi, a card friend. Xiao Qi is a card friend with a good income and has never applied for a credit card. Seeing that all major banks were selling credit cards and giving gifts at the end of the year, he applied for credit cards from six banks at one time, and only two of them succeeded. So she called the customer service of one of the banks and asked why the card was rejected, but the result was unexpected. The customer service told Xiao Qi that because her personal credit report was checked many times in one month, the credit card issuing banks from various banks. This makes the bank feel that Xiao Qi must be extremely short of money to make such a move. Take Xiao Qi as an example. In the eyes of the bank, her potential default risk will be higher, so for the sake of safety, the bank refused to issue her a card. As we all know, before approving a credit card, banks will go to the central bank's credit information system to inquire about the applicant's personal credit report, which is an indispensable step. Every inquiry record will be kept in the credit information report for two years. The bank will evaluate whether to grant the card and how many credit cards to issue according to the applicant's personal credit report. So remind all friends who want to apply for a card: if it is not necessary, don't apply for credit cards from multiple banks at the same time. After all, it is not a good thing for banks to check your credit frequently. If, like Xiao Qi, you are refused to apply for more than one credit card at the same time, don't apply for a credit card for the next 3-6 months. Take the credit card you already have, make good use of it, spend more, and don't overdue it. Leave the rest to time to solve src = "/csai _ CMS/upload/CMS/2016 _ 6/835543843076911.png"/>