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The following will negatively affect your credit:

1 Too many credit cards, esp those with a very high credit line.
2 Too many credit inquiries in a short period. Each time you apply for a credit card, bank account, loan, cell phone, they will check your credit and leave a record.
3 Too much balance on your credit cards.

To get a credit report of yourself:
1 Join some association
2 If you apply for a credit card or a loan and are rejected, they will send you a letter and tell you to call a number (usually a 800 number) within 60 days to get a free report.
Report

Replies, comments and Discussions:

  • 枫下家园 / 理财投资税务 / 今天,银行信贷部的人跟我证实,申请过多的信用卡的确会降低信用等级,建议1-2张足矣.
    • 看来我是要cancel些信用卡了。怎么cancel?打电话?我总是不好意思说,当初人家很热情的要我申请,现在给人家退了好像不好。。。
      • Call the 800 number on the back of your card. Just tell them you have too many credit cards. Stand firm and say "no", no matter what they offer you.
    • The following will negatively affect your credit:
      1 Too many credit cards, esp those with a very high credit line.
      2 Too many credit inquiries in a short period. Each time you apply for a credit card, bank account, loan, cell phone, they will check your credit and leave a record.
      3 Too much balance on your credit cards.

      To get a credit report of yourself:
      1 Join some association
      2 If you apply for a credit card or a loan and are rejected, they will send you a letter and tell you to call a number (usually a 800 number) within 60 days to get a free report.