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Andy Sim
24 Feb 2020
HR Professional at a Financial Institution
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Rais M
24 Feb 2020
Accountant at SME
The credit score look into your ability to pay. As long as you pay on time, no late payment, than it is not an issue.
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Hi I do that all the time and no issues in reapplying, just need to pay your cc bills in full and on...
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In general, it will affect your credit score but only to a small extent. Not enough to have a big impact. More importantly is whether you pay your bills on time and whether in full.
I'd suggest not to apply for a cc just for the rewards. Please do an analysis whether the card suits your lifestyle then apply accordingly based on needs. Rewards that come with the CC is a bonus.