Prepared by A-J | Author brand: 盡職生活｜阿J的普通人理財筆記
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-13 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-13 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
Remember: Actual card and loan conditions depend on the financial institution's approved terms and contract.
The rule supports reasonable comparison shopping
Short-term loan-shopping inquiries are grouped for scoring.
After 30 days it can count as another credit need
Avoid unnecessarily stretching applications over long periods.
Inquiries are not the only factor
Payment and debt behavior still matter.
Do not apply for borrowing you do not need
Grouping does not make unlimited applications harmless.
Official reference
JCIC — improving personal credit ↗
General financial education only. Not a lending offer, personal credit determination, or individualized borrowing advice.