Does multiple credit cards affect your credit rating?

pu1. I heard that the credit score goes down because the number of credit inquiries goes up when you apply, because the score goes down every time you make a credit inquiry.

2017-11-17

OK

pu2. As far as I know, it doesn't matter if one company makes multiple cards, but if more than three companies make cards, it goes down.

2017-11-17

OK

pu3. Your credit rating will go up if you don't pay back your credit card

2017-11-17

OK