Does applying for a credit card hurt your credit

Does applying for a credit card hurt your credit

How often should you apply for a credit card? While the number of credit cards you must have is up to you and you can apply for new lines of credit as often as you like, it is recommended that you allow a minimum of 90 days between new credit applications. Credit card, and it is better to wait six months.

Do credit checks hurt your credit?

The fact that a credit check won't hurt your score is good news, as research has shown that checking your credit regularly can help you rank higher. In other words, checking your credit will not only hurt your score, it can help you improve it.

Can credit card fraud hurt your credit?

Many people may think that credit card fraud and identity theft are the same thing. They are actually different crimes, and both can seriously damage your credit history, making it difficult for you to get a loan or apply for a new credit card.

Should I apply for another credit card?

  • Different networks. It is always a good idea to have two different network cards.
  • Look at your personal finances. If you are someone who always pays on time with a credit card and has excellent credit, apply for another loan.
  • You are considering buying a home or car.

How does applying for a credit card affect my credit score?

Each time you apply for a credit card, a record of your application is added to your credit report. Your creditworthiness does not take into account whether you are allowed to use a credit card, but applying for a credit card can negatively affect your creditworthiness.

Should I apply for second credit card?

Yes, you need to apply for a second credit card. Discover also has student cards and I'm going to check those out too. Rely on FICO points instead of Credit Karma points to measure your future performance.

:eight_spoked_asterisk: What do I need to apply for a credit card?

The first thing generally required in a credit card application is basic information about you, including your name, phone number, mailing address, and email address. So many applications need your social security number.

:diamond_shape_with_a_dot_inside: How can I get a free credit card?

You can get a free virtual credit card from most banks, as well as NBFIs (non-bank financial institutions). They are usually delivered through an app or mobile wallet. There are banks like ICICI Bank and Axis Bank that offer a free virtual credit card when you sign up for their digital wallet app.

:brown_circle: How do you get approved for a credit card?

Steps to Approve a Credit Card 1. Check your credit history and sign up. 2. Choose the correct credit card. 3. Make sure you meet the criteria. 4. Apply for a credit card.

:brown_circle: What is the best bank for a credit card?

The bank for the Best Buy credit card is Citi, both for the loyalty card and the universal card.

How do you find the best credit card?

To find the best credit card for you: 1. Check your credit history. Your creditworthiness is the most important factor in determining whether a credit card company will approve you. You don't want to blindly apply for a credit card without knowing your own creditworthiness or the minimum credit rating required for that card.

:eight_spoked_asterisk: What is the best credit card offer?

Citi Secure MasterCard is one of the best credit cards to increase your money. Buy and pay your bill on time every month, and before you know it, your credit situation could improve. When you sign up, you will be asked to leave a $200-2500 security deposit.

:diamond_shape_with_a_dot_inside: How often should you apply for a credit card capital one

Capital One has only one credit card application limit, and that limit is one application every six months. The rule applies to both personal and business credit card applications, and it doesn't matter if you're approved to issue the card.

What happens if you apply for a Capital One credit card?

The rule applies to both personal and business credit card applications, and it doesn't matter if you're approved to issue the card. If you attempt to apply for a Capital One card and it has not been at least six months since your last application, Capital One will automatically reject the application.

:brown_circle: How often should I apply for a new credit card?

How often should you apply for a new credit card? While the number of credit cards you must have is up to you and you can apply for new lines of credit as often as you like, it is recommended that you wait at least 90 days between new loan applications, when you can wait a full six months.

How long does it take to get response from Capital One credit card?

If you apply by phone or online, you will often receive a response within 60 seconds. However, in some cases, they need to gather additional information to make a decision. You can check the status of your application at any time by calling 18009039177.

:eight_spoked_asterisk: What to do with a Capital One credit line increase?

Use CreditWise Capital One to monitor your creditworthiness. Typically, customers who are more likely to increase their credit limit will use the majority of their credit limit, either by issuing and redeeming a card each month or by keeping the balance in their bank account and for a specified amount. period to pay.

:diamond_shape_with_a_dot_inside: How often should you apply for a credit card wells fargo

You can request two cards in one day: a credit card and a debit card, or two debit cards.

:eight_spoked_asterisk: What are the rules for Wells Fargo credit cards?

Before you sign up, be aware of Wells Fargo's unique rule that can determine your eligibility for a signup bonus or other welcome offer. Wells Fargo has an important rule of thumb: Every 15 months, all credit cards include a welcome offer.

:diamond_shape_with_a_dot_inside: How often do Wells Fargo credit cards have welcome offers?

Wells Fargo has an important rule of thumb: Every 15 months, all credit cards include a welcome offer. Welcome offers apply to all special offers applicable during the introductory period and may include:

:eight_spoked_asterisk: Can you get another Wells Fargo credit card after 15 months?

Welcome offers apply to all applicable special offers and may include an introductory phase - it does not matter if they apply to different types of offers.

:brown_circle: When to ask for a Wells Fargo credit increase?

Update your Wells Fargo data, especially when your income has increased. Wait at least six months before asking again. Too many coordinated requests can indicate a desperate expectation of more credit. Consider transferring money from one card to another instead of asking for extra money.

:diamond_shape_with_a_dot_inside: How often should you apply for a credit card instant approval

Waiting about six months between applying for a credit card will increase your chances of getting approved. Apply more often and publishers may consider it a riskier bet and reject your application.

How long does it take to get an instant credit card approval?

Immediate approval is a useful way to speed up the credit card application process, but as with any credit card, approval cannot be guaranteed. If approved, you will generally receive a new card and terms and conditions within 57 days.

:diamond_shape_with_a_dot_inside: Can you get Bank of America instant approval?

Bank of America offers instant approval and card redemption to existing customers opening a new card through the BoA mobile app. Once approved, you can upload your credit card number to your digital wallet. Here are his best BoA cards: 10.

Can you use a credit card without instant approval?

No instant approval without a credit card number Approving a credit card is not the same as being able to use it. And instant approval is not instant access. Most cards are still mailed. In this case, it can usually reach you within seven to ten days.

:eight_spoked_asterisk: How often should you apply for a credit card bank of america

Technically, you can apply for an unlimited number of credit cards in one day. There is no limit to the number of credit card applications you can make. However, it is not recommended to apply for multiple credit cards on the same day.

:diamond_shape_with_a_dot_inside: How often can Bank of America approve a card?

Bank of America has an enforcement rule called 2/3/4. You will be approved for up to two cards for 2 months in a row, three cards for 12 months in a row, and four cards for 24 months in a row. Bank of America will not approve if you have opened too many new cards at all banks.

:brown_circle: Where can I apply for a Bank of America credit card?

Bank of America. Credit Cards - Find and apply for a credit card online at Bank of America. Discover a variety of credit cards, including cash back, lower interest rates, travel rewards, top-up cards and more. Find the right credit card for you and apply online today.

:brown_circle: How is credit limit for Bank of America determined?

In addition, some Bank of America Premium Rewards credit cards, Bank of America Customized Cash Rewards credit cards, and BankAmericard credit card holders with good or higher credit scores have reported receiving higher credit limits. Your actual line of credit is determined, among other things, on the basis of your creditworthiness and income.

Where to get your real credit score?

Get your real FICO score. There are several free ways to get your current FICO score from one of three credit bureaus: Experian, Equifax, and TransUnion. Let's start with Experian, because you don't even need a credit card to get your Discover FICO score with your free credit card.

:brown_circle: Where can you find your credit rating?

  • Check your credit card, financial institution or credit statement. Many credit card companies, banks and credit unions have started providing credit ratings to their customers.
  • Buy credit scores directly from one of the three major credit bureaus or another provider such as FICO.
  • Use a free credit review service or credit review site.

What is a credit checker?

Some companies require credit checkers because they check the credit of the person applying for a loan. Your job is to obtain information about the creditworthiness of applicants from banks, credit bureaus and other companies.

Why do credit checks hurt your credit

In most cases, a thorough credit check lowers your credit score by less than five points. But according to FICO, it can hurt even more if you have a short credit history or multiple accounts. While requests stay on your credit report for up to two years, they affect your credit for only 12 months.

Why do credit checks lower a credit score?

These are the only times a credit check will lower your credit, because new loans or new loan applications come with new risks, regardless of how well the borrower has performed in the past. From the point of view of the lenders, consumers who are actively seeking new loans are at a higher risk of default, whether this materializes or not.

Why does a hard inquiry hurt your credit score?

Serious questions are painful because rating systems are always a little nervous when applying for a new loan. It's a bit crazy because they really like that they have new debts, but that's about it.

Why you should be checking your credit score?

Checking your creditworthiness can give you an idea of ​​the accuracy of your credit report. If your credit rating is below your expectations, it could be a sign that your credit report contains errors that should be challenged with the credit reporting agencies. You will not be surprised by the results of your applications.

Why do hard inquiries lower my credit score?

It's true that a serious investigation can hurt your credit, especially if you have a short or short credit history. For those with more in the business, the impact may not be as great. In conclusion, control is an indicator of uncertainty consistent with a potential increased risk to the lender.

:eight_spoked_asterisk: Do credit checks hurt your credit score

Checking your credit does not affect your score and is the best way to find out where you are. It always makes sense to keep your credit score in good shape, so yes, check your credit score now and track your credit score over time. Keep track of your credit score with these credit worthiness offers and credit reports.

How does a credit card fraud affect your credit?

To make matters worse, the scammer has changed the mailing address of your accounts so that new cards are only discovered for a few months. Any serious request from an individual credit card issuer will damage your creditworthiness. When the number of cards is at its maximum, your credit usage will be high, which will also lower your score.

What to do if you have a fraud alert on your credit card?

Once the fraudulent purchases have been canceled and a fraud alert has been issued to your credit card, you can proceed as usual. If you have already identified fraudulent payments on your account, you should take immediate steps to protect your credit and bank account, including contacting all three credit reference agencies. Do you need help to get your credit back?

:eight_spoked_asterisk: Is it bad to have your credit card information stolen?

While stealing your credit or debit card information can be very frustrating, the good news is that fraudulent payments generally don't affect your credit reports and scores.

How does a credit freeze affect your credit score?

It is important to note that blocking a loan does not affect your creditworthiness. You can also send dispute resolution letters to the credit bureaus. With fraud proof, your account will receive an extended fraud warning for seven years or until you clear the warning. None of these factors have a negative impact on your creditworthiness.

How does fraud transaction affect your credit score?

Re: Does a fraudulent transaction affect creditworthiness? No, it will not affect your creditworthiness and will not appear as a new account. After a month or two, your history and the start date of your old card will be merged into the new account.

:brown_circle: Is there a penalty for credit card fraud?

In such a case, you can dispute the debit from your account as soon as you discover that you are a victim. The credit card fraud penalty for your credit score isn't very big; in fact, if caught early, there can be no penalty. Please note that companies have 30 days to investigate a claim of fraud.

What exactly constitutes credit card fraud?

Credit card fraud is a form of identity theft in which one person uses another person's credit card information to cancel purchases or withdraw money from an account. Credit card fraud also includes the fraudulent use of debit cards and can be carried out by stealing the card itself or illegally obtaining the cardholder's account and personal information, including card number, credit card number security, and cardholder name. and direction.

How to identify a fraudulent credit card?

9 Essential Ways to Identify Unbalanced Credit/Debit Cards Look at the numbers first to make sure they line up and are evenly spaced. Correlation. Then make sure that the account number matches the name on the card. Magnetic tape. Incoming correspondence. Hologram Signature strip. UV logos. microprinting.

:eight_spoked_asterisk: What do you do if accused of credit card fraud?

  • Call your credit card company immediately. Above all, it is important to get ahead of criminals using your card before they can do more damage.
  • Check your credit card accounts and change passwords. Be careful.
  • Alert the credit bureaus and call the police if necessary.

:eight_spoked_asterisk: How can you prove credit card fraud?

You need a statement of credit card fraud. Use the one provided by your card issuer or the FTC Identity Theft Affidavit. Please bring a government issued photo ID, e. B license. Bring proof of your address, such as B. A copy of your mortgage statement or utility bill.

:diamond_shape_with_a_dot_inside: Can a new credit card number affect my credit score?

This prevents misuse of the old card number. However, the new card number is not the same as the new card number, so the new number itself should not affect your credit. But the consequences of the new number could get you in trouble if you're not careful.

Is there a simple way to reduce credit card fraud?

  • Regularly run virus and system checks on your laptop or mobile devices.
  • When visiting websites, pay attention to key security features. The Secure Socket Layer and Security Certificates are great security features to consider before visiting any website.
  • Block your credit card in case of loss or loss.

:diamond_shape_with_a_dot_inside: How to prevent in-store credit card fraud?

  • Create mechanisms to protect against fraudulent returns. Managing legal returns is an important part of customer service.
  • Do not accept cards with physical damage. Beware of customers who tell you right away that your card is not being read.
  • Know your own emissions.
  • Only accept cards from an authorized user.
  • Don't be intimidated by customers.

:brown_circle: How your business can prevent credit card fraud?

How Your Business Can Prevent Credit Card Fraud Change your budget for the best FDP solution. There is no one-size-fits-all approach to security. Protect your mobile channels now. More mobile purchases means more fraud. Set up a seamless checkout process. Security measures that hinder the user experience can affect sales. Invest in a holistic PDF strategy. Collaborate in your industry.

:eight_spoked_asterisk: How can they detect credit card fraud?

You can detect credit card fraud by reporting charges that you have not made or authorized. Another sign may come in the mail with your bank statements, and these are bills for products or services that you didn't purchase. You can even get a bill for your credit card statement for a card you didn't open. If you see something like this in your inbox, don't ignore it.

How does a credit card Max out affect your credit score?

Any serious request from an individual credit card issuer will hurt your credit score. With the maximum number of cards, your credit utilization rate will be high, which will also lower your score. In addition, payments for all these cards are delayed and they are all linked to your social security number and credit history. It is not uncommon to lose 100 points on your balance.

:brown_circle: What are the causes of credit card fraud?

Credit card fraud occurs when purchases are made fraudulently using someone else's credit card or credit card number. Common forms of credit card fraud include credit card fraud, the use of lost or stolen cards, and fraudulent credit card purchases in the mail.

:diamond_shape_with_a_dot_inside: What happens in credit card fraud cases?

Most cases of credit card fraud involve the theft of a card and using it to buy things or withdraw money. Scams like this can take your hard-earned money out of your bank accounts and even leave a red mark on your credit report, even if you haven't spent a dime.

:eight_spoked_asterisk: Can credit card fraud hurt your credit card

Can Credit Card Fraud Affect Your Credit? Nobody likes to be cheated, especially theft of credit or debit cards. While stealing your credit or debit card information can certainly be quite frustrating, the good news is that fraudulent payments generally don't affect your credit reports and scores.

Credit card fraud definition

The term "credit card fraud" is often used to refer to the use of a credit card, debit card, or similar form of credit to make purchases or obtain financial gain in order to "avoid payments." These include identity theft, identity theft and fraud.

:diamond_shape_with_a_dot_inside: Should you apply for multiple credit cards at once?

In general, it is not advisable to apply for more than one credit card at a time if you are concerned about your creditworthiness. There are many reasons not to apply for multiple cards at once, and most of them have to do with the fact that applying for a loan affects your creditworthiness.

:brown_circle: Can I apply for the same credit card again?

If you've ever canceled a credit card and later decide you still need it, rest assured that you can apply for the same card again. If you've used the card responsibly in the past — for example, you haven't missed a payment or you've resized the card multiple times — the issuer is more likely to run into you again.

:diamond_shape_with_a_dot_inside: What are the requirements to get a credit card?

First of all, you have to be old enough to get a credit card. Following the federal credit card law of 2009 that restricted credit card companies from offering credit to young people, most credit card issuers required borrowers to be at least 21 years old to apply for credit on their behalf.

Does applying for a credit card affect your credit score?

Applying for a credit card often requires a thorough credit assessment, which means it can affect your creditworthiness, at least temporarily. If you apply for a single card, your score may drop by only a few points.

:eight_spoked_asterisk: When should i apply for another credit card

If you applied for a card from one issuer and want to apply for another card from the same issuer, I recommend waiting about three months. Some banks are stricter than others, so three months is a margin.

How long should I wait to apply for another credit card?

However, the waiting time for submitting the application depends on your creditworthiness. If you have good credit, you will most likely be able to apply for a new credit card in three months or less. However, if you have a bad credit history, it's best to focus on building credit.

:diamond_shape_with_a_dot_inside: Why is it important to wait between credit card applications?

Waiting between credit card applications helps protect your credit score from the negative effects of too many credit applications and also ensures that you are not violating any card application restrictions.

What happens if you apply for another credit card?

With any serious application, your credit score will take some time. So if you have bad credit, applying for another credit card can only make things worse. If your credit is bad, your chances of getting another card approved are slim.

When is it right to get a second credit card?

While a second card can help improve your credit score, act as an emergency backup, or help you diversify your credit, it's not for everyone. These are the situations where you need and need to issue a second credit card. See also: The Best Credit Cards for Millennials When Getting a Second Credit Card.

How soon should i apply for another credit card

How long to wait before applying for another credit card? The general rule of thumb for waiting between applying for a credit card is three to six months. This assumes that you are taking advantage of the other card and that you know how to use credit responsibly.

:eight_spoked_asterisk: How long should you wait before applying for a credit card?

The waiting time between credit card applications is three to six months. This assumes that you are taking advantage of the other card and that you know how to use credit responsibly. More credit cards means more management, so you need to keep track of your balance and expiration dates.

What happens when you apply for another credit card?

More credit cards means more management, so you need to keep track of your balance and expiration dates. When you apply for a credit card, the bank checks the number of loan applications it has received from previous applications.

How long does it take for a credit card to arrive in the mail?

Otherwise, you will have to wait for the card to arrive, which can take 7-10 business days. If your credit card application is rejected, the lender must provide a statement of account.

:eight_spoked_asterisk: When to apply for a credit card for a home loan?

Wait for him to sign the mortgage to apply for a credit card. Regardless of the registration bonus, a higher interest rate for a home loan will cost you more. When you try to increase your bankroll again. If your credit has been damaged in the past, restore it slowly and carefully.

What is credit card offers the best reward?

Best Bonus Credit Cards 2021 American Express Gold Card - Eligible for.

:eight_spoked_asterisk: What credit cards offer the best rewards program?

  • American Express Gold Card - Ideal for Food Rewards
  • Capital One Venture Rewards Credit Card - Best for Airline Rewards
  • Citi Double Cash Card - Ideal for cash rewards
  • Chase Sapphire Preferred Card - Ideal for first-time travelers
  • Chase Sapphire Game Reserve - ideal for frequent fliers

:brown_circle: What credit cards offer rewards and points?

General travel credit cards, including the Chase Sapphire Preferred card, American Express Gold card, and Capital One Venture Rewards credit card, give you rewards that you can use, for example, to pay for travel with cash or redeem loyalty points for airlines. loyalty programs or programs from the hotel's airlines.

:eight_spoked_asterisk: What do credit cards have the best bonus?

  • Chase Ink Business Credit Card℠
  • Chase Sapphire Preferred Card
  • Capital One Venture Rewards Credit Card
  • Chase Marriott Bonvoy Boundless™ Credit Card
  • Premier IHG Rewards Club Credit Card

How do you apply for credit cards?

Here are six steps to applying for a credit card: Check your credit history. Determine what type of card you need. Choose where you want to apply. Check if you are prequalified. Prepare yourself for your creditworthiness in one go. Use credit card best practices.

Where to apply for a credit card?

Credit card applications can generally be made online, over the phone or in person, depending on the exhibitor. An online application is usually the fastest way to make a decision. Applying for a credit card is fairly easy as long as you know what information to ask for.

:brown_circle: What credit card to apply for?

The Best Credit Cards to Apply for in 2021 Amazon Pay ICICI Bank Credit Card. If you want to apply for a loan without an annual fee, this is your best option. AMERICAN EXPRESS PAYBACK CREDIT CARD You can apply for an American Express Payback credit card as it offers many offers and rewards. Flipkart Axis Bank credit card The Flipkart Axis Bank card is a retail credit card.

:diamond_shape_with_a_dot_inside: What is the best credit card with no fees?

The best credit cards with no annual fees and no transaction fees abroad are Capital One VentureOne Visa and HSBC Cash Rewards Mastercard. This is because, in addition to the lack of commissions, they offer the most rewards.

:eight_spoked_asterisk: What do credit cards have no annual fees?

Which is better: Blue Cash Everyday or any other card, depending on what you spend the most money on. Other free credit cards to consider include the Bank of America Cash Back credit card and the Visa Signature PenFed Platinum Rewards card.

:brown_circle: What credit cards offer free flights?

Southwest Airlines partners with Chase to offer the Visa credit card, which offers special benefits to cardholders. The most popular perk is the chance to win a free ticket to the Southwest.

What are credit card generators and how do they work?

Credit card generators are not standalone machines. It's just software that uses different credit card number generation rules to generate valid digital credit card numbers. They are mainly used for credit card fraud, although there are also legitimate uses such as credit card fraud. For example, testing e-commerce sites to make sure the numbers are processed correctly.

How do I generate credit cards?

Steps to create valid credit card information:
Step 1 : Get started by choosing credit card providers such as MasterCard, Visa, Discover, American Express, and JCB.
Step 2 : Select the number of cards you want to make.
Step 3 : Select the data format from several available (JSON, CSV, XML).
Step 4 : Click "Create".

Is choosing a random credit card generator good?

The random credit card generator is very useful for developers and programmers as it can become indispensable for most developers. Using a credit card generator can be beneficial to developers in the following ways: They can use a credit card generator to generate random cards to test their website.

Are credit card generators illegal?

The simple answer is no, the fake credit card generator is not illegal. they do not tolerate, support or encourage illegal activity of any kind.

:diamond_shape_with_a_dot_inside: How do you calculate the payment on a credit card?

Calculate the minimum credit card payment using the OCC formula. First, multiply the outstanding balance by the annual interest. For example, if you owe $1,500 on a card with 15% annual interest, the equation would be 1,500 x = 225. Set that number aside to connect to the formula. Multiply your outstanding balance by 1%.

How do you pay your credit card payment?

  • ACH Transfer Add your bank account and routing number to the credit card company's website or mobile app, call them to get their information, or submit yours.
  • Cash. If your credit card issuer has a local bank or credit union that you can turn to, you can pay in person with cash.
  • Verification If your issuer accepts checks, you can send them along with your credit card bill.

:diamond_shape_with_a_dot_inside: Should you make your credit card payment early?

If you make a credit card payment early, you can improve your credit usage credit score by decreasing the credit card balance reported to the credit bureaus. The balance presented to the credit reporting agencies is usually your balance on the billing date.

:brown_circle: How do I make a credit card payment online?

  • Select menu Extras > Online Center.
  • If necessary, select the financial institution where your credit card is located.
  • Click Billing Information.
  • Click on "Pay".
  • View the most recent billing information downloaded with your most recent monthly credit card transactions.

:eight_spoked_asterisk: Are credit card generators real?

What is a credit card generator? The credit card generator generates fake but valid credit card numbers using the same algorithms that banks and card networks use to issue their cards. The reset card generator can also use the BIN (Bank Identifier) ​​of any bank in the world.

Is Credit Karma really accurate or not?

While your credit karma is generally correct, you cannot trust a credit report 100%. Therefore, it can occasionally be useful to compare your score with that of another website. Some alternatives to crediting karma are listed below. Another thing to know is that there are different types of credit scores.

How does Credit Karma really work?

Is that how it works. When accessing your credit reports, Credit Karma offers you credit products based on your current history. It also uses your credit history to determine which products (credit cards, loans, insurance and other banking products) can be approved.

Is Credit Karma good place to file taxes?

Credit Karma is one of the few tax refund software services that offers a free federal and state tax return. A tax return service is not just an easy way to file your tax return.

:brown_circle: Does Credit Karma really work?

Credit karma therefore works in terms of saving money, but it does not maximize the savings. Bottom line: Credit Karma is accurate and efficient. It does what it's supposed to, telling you the contents of your credit reports and how your credit history has changed over time.

What does available credit mean on a credit card?

One aspect of credit cards that confuses many cardholders is the available balance. Basically, it is the amount that a person can withdraw from a credit card at any time. It is often confused with a credit line, but they are very different. Sometimes the available balance is small and there are ways to increase it.

:eight_spoked_asterisk: Why do Americans have credit cards?

Why Americans Use Credit for Large Purchases There are very logical reasons why they prefer credit for large purchases. Credit cards are not only a payment method, but also a way to finance a purchase.

Are credit cards necessary?

You might think that having a credit card is a necessary part of maintaining your financial health. While a credit card can be useful in some situations, carefully consider whether you really need a credit card before applying.

Does a debit card count as a credit card?

Using a debit card for credit is not the same as using a credit card. Your debit card is linked to your payment account. A credit card is a line of credit; O'CLOCK. TwinStar lends you money to buy and invoice later.

does applying for a credit card hurt your credit