It will have an impact.

Credit cards are bank products. Whether you apply at different banks or apply multiple times at the same bank, the bank will check your credit report for approval.

After all, relying solely on the information on the application form and submitted materials, we can only have a one-sided understanding of the applicant’s basic information, and cannot understand his repayment ability and willingness to repay.

More credit card applications will inevitably have an impact on your credit report, which is mainly reflected in two aspects:

1. Multiple credit card approval records will confuse your credit report. Every time you apply for a credit card, regardless of whether it is successful or not, you can see a credit card approval inquiry record. You can infer the time of each credit card application from the inquiry time and inquiry agency. For example, if multiple inquiry records are concentrated in the same time period, the inquiry record will be The letter will be distorted, which will make the bank think that the applicant's financial situation is not good, that he is in urgent need of cash flow, and that he has high borrowing risks, which is not conducive to credit card approval.

2. Long-term credit extension can easily lead to higher liabilities. If the credit card is approved, there will be multiple credit extensions due to too many applications. For example, if there are credit card account opening records from more than 3 banks on the credit report, it is multiple credit extensions, which is not conducive to subsequent loan applications. In particular, many bank credit cards have overdrafts and large installments, which will increase the applicant's liabilities, which will affect the judgment of the applicant's ability to repay, and there is a great risk of overdue.

Credit and debit cards. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

Credit card applications need to meet the following conditions:

1. First, citizens who are over 18 years old and have civil capacity are required.

2. It is required to have a stable income and provide proof of income, firstly to prove the ability to repay, and secondly to use it as a reference for setting the credit card limit. If you have successfully applied for a credit card, you can use the card to apply for a card, and the process will be much easier.

3. The personal credit report must be good and have no bad records.

4. Whether you can successfully apply for a credit card is also related to your occupation. For example, security, self-employed, farmers, etc. are more difficult to successfully apply for. However, the editor learned that some banks have launched "Benefit Cards" for farmers.

5. Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card processing services specifically for college students. This is to apply for a credit card unconditionally. College students only need to bring their personal documents and student ID cards to the bank to apply for it.

6. Foreign and overseas personnel and active-duty military officers who receive the card in their own name should provide a temporary household registration issued by the local public security department or a certificate issued by the relevant department. They must also provide a guarantee unit that meets the guarantee conditions or have a local household registration. , a guarantor working locally.