How to Use Credit Cards to Improve Your Credit Score (15 Steps)

5. Limit New Credit Applications

Each time you apply for a credit card, the lender performs a hard inquiry on your credit report. Too many hard inquiries in a short time can temporarily lower your score by a few points.

If you’re trying to build or repair your credit:

• Apply for new cards only when necessary.
• Space out applications by at least 6 months.
• Avoid applying for multiple cards in one day — it can signal risk to lenders.

You can check whether you’re pre-approved for certain credit cards using soft inquiries that don’t affect your score. For example, Capital One’s pre-approval tool lets you see offers without hurting your credit.