![]() Your foundation accounts are 2-3 credit cards, 1 long term and 1 short term loan. When you’re new to credit building, though, it is okay to apply for all your foundation accounts at the same time. A creditor may not lend to you if he thinks you’re desperately trying to obtain credit. Applying for credit too many times within a 12 month period can give the impression that you’re desperate for credit due to financial hardships. When it comes to applying for credit cards or credit on the whole, it is best to limit your inquiries to no more than 3 per year. ![]()
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