So recently I managed to get a free copy of my credit bureau report. (if you don't know, if you apply for a new credit card, or have your credit limit re-assessed by your bank, you have a 30 days window period to log in and retrieve a free copy of your report) So what does mine says? So I was rated AA, with a 0.15% probability for default and a score of 1953. I was thinking, why was I not rated the maximum score of 2000? So I read on, looks like one of the factors is that frequent/recent enquiries (in addition to default or slow payment) will affect the credit score. I was never late on payment (always on Giro) so I wonder if it's the case if I applied for too many credit cards. I admit, I have a lot of cards, mostly for freebies + ......