Why do I get a low credit score?

 Keep getting new credit cards to snap the welcome offers, and leave them idle for a long time? Should I cancel the unused cards?

“TransUnion (TU) Smart Tips” Why do you get a low credit score? There is a range of factors affecting your credit score. Apart from your repayment history, credit account application and hard inquiries (including credit card application) will affect your credit rating as well. If you apply for many credit cards in order to grab the welcome offers, you may find your credit score lowered thereafter. What’s more, since each credit card provides a credit limit, cancelling a credit card will reduce your available credit which may also make changes to your credit rating.

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