G'day all.. Just looking for advice regarding my current financial situation. My wife and I previously appied for a consolidation loan from our bank which we wanted to pay off some debts as well as trade in my car for a people mover. About just under 4 weeks ago the bank knocked us back, not because we couldn't meet afrordability, it was because my history paying my credit card with this particular bank hasnt been the best.. I've been behind payments in recent months which seemed to be enough for them to say no. Fast forward to today- I have sold my car and have paid off most of my credit card debt. I've also made scheduled payments through Internet banking which are above the minimum monthly repayment everytime i am paid, which I plan on continuing to do. Since I think I have gained a better grasp of my debts, my wife and I are still hoping to apply for a consolidation loan to fix up things around the house which need attention as well as buy ourselves a 7 seater.. It's all about the family. HOW SOON SHOULD I approach the bank again? I heard that leaving too Many "footprints" when enquiring or applying for loans can effect your credit.