Vehicles of almost every sort have been getting bigger and bigger over the past decade. In fact, even the “entry-level” cars offered by companies like BMW are nearly the same size and weight as mid-size cars were just ten years ago. As vehicles keep getting bigger, parking has gotten progressively more difficult.

Nowhere is this gigantism more visible than in the pickup truck segment, where even previously ’small’ trucks like the Dodge Dakota have inflated until they now dwarf their predecessors. In turn, full-size trucks have fought their own battle of the bulge, getting heavier, wider and taller. Toyota has not been immune to these market forces. The first generation Toyota Tundra was a mid-size pickup marketed to the full-size crowd, and when Toyota realized that they could cram more buyers into a larger vehicle, the 2007 Tundra re-design greatly increased the capacity of the truck in almost every dimension.

The downside of bigger vehicles is that parking is now a lot harder than it was before. When driving a new Toyota Tundra, you may notice it’s difficult to tell where the truck begins and ends. As a solution to these new parking woes, vehicle designers have developed a new tool for drivers called “parking assist.”

The “parking assist” is a system of sensors that on most vehicles will be mounted on either front or rear bumpers, or both. The sensors emit an audible beep when the vehicle gets too close to an obstacle, beginning from about 6 feet away, depending on the system, and increasing in frequency until becoming a continuous tone at about 6 inches away. The system can help drivers parallel park, and warn them if something small, such as a mailbox or child, is near the vehicle. If you’re curious about how the “parking assist” works, read on.

Basically, a set of eyes are mounted in the vehicle’s bumpers. These “eyes”, or special sensors, transmit highly focused sound waves at regular intervals from the bumper. When these sound waves come into contact with a solid object, they reflect back towards the sensor. Since the speed of sound is fairly constant through air, a computer uses the time it took for the reflection to be returned in order to calculate the distance between the bumper and the object. This is exactly the same principle employed by submarines using active sonar underwater, except that water transmits the sound waves much better than air, allowing for better range.

Although the sensors can effectively detect stationary objects such as parked vehicles and garage doors, they’re not sensitive enough for smaller mobile objects, such as animals or children. These objects might not generate a warning beep, or at least not consistently. Therefore, drivers still need to use caution and be aware of their vehicle’s surroundings when parking. Parking assist, also called parking sonar, is definitely a useful tool, but is not a replacement for a careful driver.

Some high-end luxury cars are beginning to feature the next generation of parking assist systems, which are amazing devices. A video camera and complex computer program are used to enhance the accuracy of traditional sound sensors. Instead of simply emitting warnings when the driver is close to an object, the newer parking assist systems can actually steer and park the car for you. This is an amazing tool for parallel parking - as long as you’re ready to give your car control of the steering, gas and brake. Whatever will they dream up next?

People often wonder if they should be using synthetic oil in their new vehicles. Synthetic oil is better than regular oil for many different reasons: it’s a better lubricant; maintains integrity at high temperatures; is fairly pure; and rarely turns into sludge, even when it’s abused. To many people, the obvious benefits of synthetic oil lead them to conclude they should start using it ASAP. However, despite synthetic oil’s benefits, it really depends on how you take care of your car.

For starters, how often do you change your oil? If you’re a disciplined car owner who replaces the oil every 3 to 5K miles, then you’ll never notice a difference between regular and synthetic oils. Oil changes are meant to prevent engine damage from oil breaking down. Synthetic’s benefit here is that it resists breakdown, even after regular use. So if you tend to forget to change your oil regularly, synthetic oil is the best option for your car. But if you’re regularly replacing your oil at the recommended mileages, then synthetic oil probably won’t add any extra protection to your engine.

One of synthetic oil’s biggest perks is that it doesn’t deteriorate until after a long time. Regular oil starts to break down after 6 months, and all oils should be replaced after 5K miles. If you’re someone who drives less than 5K every 6 months, then mileage-wise, you’re replacing your oil more often than you need to. Using synthetic oil will let you change your oil less frequently, so you can get greater mileage out of each oil change. This might save you some money, and definitely will save you on time.

Synthetic oil can withstand heat better than regular, which is one of the most common reasons people have for switching to synthetic. Regular oil starts to break down as the temperature increases, and continues to deteriorate as it gets hotter. If you regularly put your engine into situations where it will be in high heat, synthetic will help protect your engine against damage. Idling your engine for long periods of time and driving in high temperatures or altitudes will overheat your engine. Hot climates and thin mountain air won’t cool your vehicle’s engine very well, so people living in these climates should definitely consider synthetic oil. High performance vehicles will also benefit from synthetic oil.

There are a lot of entities that recommend using synthetic oil, even to people who don’t need it. For example, synthetic is recommended for anyone that drives in stop-and-go traffic. But since all of us drive in stop-and-go at some point, that’s a bad recommendation. You should only use synthetic if you’re driving in stop and go traffic long enough that your engine’s cooling fan turns on, and only if you’re doing so daily. Also, if you only drive short trips, people may recommend synthetic oil as a way to protect your engine. However, short trips, regardless of your choice of oil, can damage your motor. No matter whether you use synthetic or regular oil, your engine was designed run for at least 20 minutes. Running synthetic in these situations might be better, but tests have shown that the benefit is minor.

If you’ve decided synthetic oil is right for you, use caution when buying synthetic oil. Many places try to sell synthetic “blends” as a cost-saving measure, but the contents of this mixture aren’t always the same. You could be getting regular oil with a little bit of synthetic thrown in for a higher price. The best thing to do is to buy either pure synthetic oil or not bother with it at all. The exception to this is if the blend you’re buying is coming from and made by your vehicle manufacturer.

You might be wondering what your vehicle manufacturer recommends for your vehicle. Most manufacturers will say that “any oil that meets API standard specifications can be used in your vehicle.” So normal is perfectly alright for most situations. Drivers will usually enjoy great performance from their new cars for a long time even without the extra benefit of synthetic oil, so long as they take proper care of their vehicles.

Many drivers are unsure whether they should use synthetic oil in their new cars. Synthetic oil has a number of pluses over regular oil: it can maintain integrity in heat; lubricates better; has fairly good purity; and rarely ever becomes sludge, even after abuse. Most drivers will see the obvious benefits synthetic oil has to offer and decide to use it in their car. However, even with the synthetic oil’s numerous benefits, the real difference is made in how you care for your car.

First of all, consider how regular you are with changing your oil. You car’s oil needs to be replaced every 3 to 5K miles, before it breaks down and potentially damages your engine. Synthetic oil is a great option for drivers who tend to forget or delay oil changes, since it is breakdown resistant, even after extended use. Drivers who dutifully change their oil on schedule, however, will probably never get any benefits from synthetic oil’s longer lifespan because it’ll never be used long enough to make a difference.

Another benefit of synthetic is that it will last a long time without deteriorating. Let’s say you drive 7k miles per year. At this rate, assuming a 5k mile oil change interval, you’re only going to need an oil change every 9 months, based on mileage. Since regular oil starts to wear out after 6 months, you should either change your oil sooner than necessary or you should think about using synthetic. It may save you money to pay for one synthetic oil change a year instead of two regular oil changes, and it will definitely save you time.

Synthetic oil can withstand heat better than regular, which is one of the most common reasons people have for switching to synthetic. Regular oil starts to break down as the temperature increases, and continues to deteriorate as it gets hotter. If you regularly put your engine into situations where it will be in high heat, synthetic will help protect your engine against damage. Idling your engine for long periods of time and driving in high temperatures or altitudes will overheat your engine. Hot climates and thin mountain air won’t cool your vehicle’s engine very well, so people living in these climates should definitely consider synthetic oil. High performance vehicles will also benefit from synthetic oil.

There are lots of people who will recommend synthetic oil to you, even if you don’t need it. For instance, synthetic is recommended for drivers who have to drive in stop-and-go traffic. However, almost everyone drives in this type of traffic at some time, and not everyone needs synthetic oil. It’s really only necessary if you’re stuck in stop-and-go for long periods of time, and on a regular basis. Synthetic might also be recommended to people who only drive on short trips, as a means for protecting the engine. But only driving for short trips will damage your engine regardless of what oil you choose, so the recommendation is redundant. Your engine is designed to perform for 20 minutes or more. There might be a slight benefit to running synthetic for short trips, but the difference is negligible.

If you’ve recognized yourself in one of the above situations and have decided to opt for synthetic oil, be careful when you go to make the purchase. You may be offered a synthetic “blend” instead of pure synthetic oil to save money. However, you probably won’t know exactly what’s in that blend. It could be equal amounts of synthetic and regular, or you might even be getting almost entirely regular oil with a splash of synthetic. If you’re going to go synthetic, it’s best to go all out and get the real thing, or not do it at all. Of course, if the blend is provided and produced by your vehicle’s manufacturer, then it’s probably safe to use - but that’s the exception.

You might be wondering what your vehicle manufacturer recommends for your vehicle. Most manufacturers will say that “any oil that meets API standard specifications can be used in your vehicle.” So normal is perfectly alright for most situations. Drivers will usually enjoy great performance from their new cars for a long time even without the extra benefit of synthetic oil, so long as they take proper care of their vehicles.

No one likes to waste time, especially not when you’re trying to get a new car loan. Luckily, there are a number of ways you can speed up the process of getting a loan for your new car.

No matter what your credit score or history, these tips can help you save time when getting a loan:

1) Make sure you’ve got all your paperwork together. You’ll need a recent paystub to prove your income, and a recent bill from your phone, electric or cable service to prove your residence. If there are any problems with your credit, such as collections or bankruptcies, get the paperwork for that too. Bring everything with you in an envelope when you go to see your lender. That way, you’ll only have to make the trip once.

2) Get references. You’ll probably need to give your lender the names, addresses and phone numbers of at least three friends or family members not in your household. Finding this information ahead of time will save you time when you’re completing your application, and you won’t have to stress to figure it all out on the spot.

3) Talk to your boss, manager, or human resources department at your work. Lenders will often call your workplace to verify your employment there, and alerting whoever’s in charge of employment verification about the call will give them a chance to prepare all the information in advance.

4) If you have a trade-in, find out your exact payoff. Many times, when people apply for an auto loan, they estimate their trade-in payoff. The trouble with estimating your payoff is that your new lender may use your estimate as an exact value. If your payoff is actually substantially higher than you estimated, your loan may need to be re-approved for a higher amount. If your payoff is lower than you estimated, your interest rate might be higher than it should be. Save everyone some time (and yourself some money) and find out your exact payoff before you apply for a new loan.

5) Be honest! Your loan application may require you to list information about former residences, employers, etc. An accurate application will be processed quickly, but if you lie about your credit history, the lender will probably find out. This will lead to a long delay while the creditor goes through every aspect of your credit history, and may even result in your application being turned down.

Getting a car loan can be tiresome business, and you want to get it done as fast as possible. There are many things you can do to get your loan processed quickly.

Here are some tips which everyone, regardless of credit score or history, can use to save time when getting a loan:

1) Organize your paperwork. You’ll need to prove your income with your most recent paystub, and residence with a recent phone, electric or cable bill. If you have credit problems from collections, bankruptcies or a messy divorce, make sure you have the paperwork documenting that as well. Bring everything with you when you visit your lender, so you don’t have to make any extra trips for forgotten documents.

2) Get your list of personal references together. When you apply for an auto loan, you’re usually required to give the name, address, and phone number of three or more friends or relatives that don’t live with you. If you get this information together ahead of time, you won’t have to scramble to figure it out while you’re completing your application.

3) Talk to your boss, office manager, or human resources department. When you apply for an auto loan, most lenders will call and verify your employment. Let the person in charge of employment verification know that you’re expecting an auto lender to call about you - that way they’ll be ready to provide what the bank needs quickly and accurately.

4) Find out the exact pay-off of your trade-in, if you have one. Estimating your trade-in payoff on your loan application could slow down the process and cost you money. The bank might take your estimated figure for the exact one, and if your payoff ends up being higher than what you estimated, you’ll lose time as your loan is re-approved for a higher amount. If your payoff is lower, you could wind up paying a higher interest rate than you should be. Finding out your exact payoff before you fill out your loan application will save time and money in the end.

5) Be honest! Your loan application may require you to list information about former residences, employers, etc. An accurate application will be processed quickly, but if you lie about your credit history, the lender will probably find out. This will lead to a long delay while the creditor goes through every aspect of your credit history, and may even result in your application being turned down.

Most trucks are quite powerful - that’s probably why you own one. Trucks are made to haul and tow thousands of pounds without difficulty, so they need lots of power. Yet despite their powerful engines, most manufacturers equip their new vehicles with a relatively quiet exhaust system. If you think your truck ought to sound as powerful as it is, or if you’d like to reduce some of the constrictions in your truck’s exhaust, then you’re probably considering adding to or changing your factory exhaust system.

Fortunately, the factory exhaust system is efficient and doesn’t require much modification for you to improve it. The first component in your exhaust system is the exhaust manifold, the part that directs exhaust from individual cylinders into one or two main exhaust pipes. Most exhaust manifolds are pretty efficient and don’t require replacement, but if you decide you’d like to replace this part, then you’re going to look at a set of headers. A good set of headers will offer a ceramic coating, as well as factory mounting points for sensors. Again, most of the time the factory exhaust manifold is just fine.

The catalytic converters are the next stop for exhaust gases as they travel through your truck. It’s not exactly a good idea to take these off - your factory catalytic is already very efficient and a legal requirement on your vehicle, so you’ll want them to stay on your truck. The only time replacing the standard catalytic on your truck might be a consideration is if you were adding a very powerful upgrade, such as a turbocharger or supercharger, to your engine.

After the catalytic converters, the exhaust gases cool somewhat and enter the muffler. Again, the factory exhaust system is pretty good and the standard mufflers aren’t very restrictive. Replacing them usually won’t result in a significant hp or torque gain…3-5 hp and 5-10 ft-lbs of torque on average. However, after market mufflers will make your truck sound much better. The rumble you’ll hear with after market mufflers is exciting, and well worth the cost. After leaving the mufflers, the exhaust will exit out of the tailpipe. Tailpipe tips are a popular add-on, but they’re decorative only, and have no impact on your exhaust system’s performance.

Changing the factory muffler on your truck for an after market muffler will make the biggest change to your exhaust system, so it’s the obvious move to make. Here are some things to consider about after market mufflers:

First, do you want to hear the exhaust ALL the time? In other words, when you drive down the highway, is a little exhaust drone OK? If not, make sure you choose a muffler that’s not described as being loud. Check the web and ask your local muffler shop for advice on finding a good muffler. Many muffler manufacturers are even putting sound clips on their websites now.

Second, do you want your muffler to be just loud enough for passersby to hear, or do you want a loud that will make people stop and stare? If you’re looking for that extra attention, you’ll want a muffler with words like “racing” or “glasspack” in the description. Otherwise, these mufflers may be too loud for your tastes.

Also important to consider is whether the new muffler is a single or dual exhaust. If your factory exhaust system came with a single exhaust muffler, then your truck will work just as well with a single after market exhaust system. Dual exhaust systems are more expensive, but you’ll get a nicer sound and better look. If you use a dual exhaust, check that your installer works around the trailer hitch and/or leaves room for one so you can add it later if you choose.

Your final decision is which exhaust material system you’ll use. The right material for you will depend on where you’re located geographically. If it’s anywhere near a saltwater body, buy stainless steel. It may cost more, but stainless steel will be a wise investment since the saltwater in your environment is harsh on regular galvanized or aluminized steel. Drivers in dry climates won’t really benefit from the extra cost of stainless steel, since it’ll take years for rust damage to occur if it gets into the system.

Most trucks are quite powerful - that’s probably why you own one. Trucks are made to haul and tow thousands of pounds without difficulty, so they need lots of power. Yet despite their powerful engines, most manufacturers equip their new vehicles with a relatively quiet exhaust system. If you think your truck ought to sound as powerful as it is, or if you’d like to reduce some of the constrictions in your truck’s exhaust, then you’re probably considering adding to or changing your factory exhaust system.

The factory exhaust system already on your truck is already a pretty efficient system and doesn`t really need much modifications to be improved. The first part of your truck’s exhaust system is the exhaust manifold, which channels exhaust from individual cylinders into larger main pipes. These systems are efficient and don’t need to be changed, but if you decide you want to anyways, you’ll need a set of headers. Quality headers like the ones you’ll want will have a ceramic coating and factory mounting points for the sensors. Most of the time though, the standard manifold is more than good enough.

After the manifold, exhaust travels through the catalytic converters. These are already very efficient and legally required to be on your truck, so you’re much better off leaving these alone. The only time you’d do really do anything with the factory catalytic converter is if you were adding an extremely powerful upgrade to your engine, such as a turbo- or supercharger.

As they leave the catalytic converters, exhaust gases will cool down a bit and enter the muffler. The factory mufflers usually aren’t too restrictive, and replacing them won’t make a huge difference in the amount of hp or torque you get. The average change is about 3-5 hp and 5-10 ft-lbs of torque. After market mufflers, however, will make a dramatic change and are definitely worth the money. Your truck will sound much better! After the mufflers, exhaust exits the truck via the tailpipe. You can add tailpipe tips to this part, but it’ll be purely for decoration purposes, and won’t affect the exhaust system in any way.

Since changing the factory muffler will have the biggest effect on your exhaust system, they’re the most logical component to replace. When you’re looking at after market mufflers, here are some things to consider:

First, will you be happy hearing the exhaust ALL the time? If you’re not too sure you’ll want the background noise to include exhaust drone every time you drive anywhere, try to choose a muffler that’s not described as loud. Your local muffler shop and the Internet are useful tools for choosing a muffler that suits your needs. Some muffler manufacturers will even have sound clips on their websites now to help you create that perfect roar.

Second, how loud do you want your truck to be? Do you want something that turns heads, or something that will drown out the neighbours? Extra loud mufflers usually have words like “racing” or “glasspack” in the description, so go for these models only if you’re ready to be the loudest thing everywhere you go.

Also important to consider is whether the new muffler is a single or dual exhaust. If your factory exhaust system came with a single exhaust muffler, then your truck will work just as well with a single after market exhaust system. Dual exhaust systems are more expensive, but you’ll get a nicer sound and better look. If you use a dual exhaust, check that your installer works around the trailer hitch and/or leaves room for one so you can add it later if you choose.

Finally, what exhaust system material is best? It’s a decision that should be based on geography. If you live anywhere near the corrosive effects of saltwater, stainless steel is the smart choice. While it’s more expensive up-front, it will last much longer than galvanized or aluminized steel in these climates. People living in dry climates really don’t need to purchase stainless steel - if rust attacks their system, it will be years before anything is damaged.

When it comes to vehicle safety, automakers are a little puzzled. How can it be that vehicle-related fatalities in the U.S. have been steady at 40,000 deaths a year even as vehicle safety measures continue to improve? Is all this vehicle safety technology really making us safer? One company has announced that the problem is not with the safety of the cars - it’s with the drivers themselves.

According to research from Robert Bosch LLC, two out of three drivers do not hit the brakes hard enough before an accident. This is not because he or she wants the accident, but rather because of the human condition. Multiple warning systems, distractions from passengers, and processing the events on the road can cause the decision-making process to take milliseconds too long. These overwhelming forces can impair one’s ability to slam on the brakes in time, or with the correct force.

As a solution to this, Bosch proposes using a predictive brake-assist technology, which constantly monitors the vehicle’s surroundings to detect any likely accidents and determine stopping distance. If an accident is evident, the brake-assist technology will react by activating the hydraulic brake, which the vehicle’s computer has engaged for full-force braking as soon as the anticipated accident is detected.

There are over two-million front-end collisions each year, and while there is no way to know how much the predictive brake-assist system will reduce this number, it’s reasonable to assume it will help in some way. However, there is some argument that this technology will actually hurt safety. The argument is that because drivers will not understand the technology, they will assume the car will do the majority of the braking for them, and will not attempt to stop the car themselves. This argument seems absurd, but should not be discounted completely. More testing should be completed before this type of safety feature is mandated.

Some manufacturers are already using predictive braking technology. Mercedes Benz has implemented the system in their SL550. Based on the amount of pressure the driver places on the brake pedal, the car is able to sense an emergency and apply the maximum power boost. Many other manufacturers, such as Toyota, Volvo, Cadillac, and BMW are also testing the technology.

The predictive brake-assist system is just one example of a growing body of technology designed to improve vehicular safety. Another item currently in the works is the lane departure notification system. It uses an electronic eye to detect if the car is driving within the lines. If the vehicle drifts outside the lines, the system will emit an audible warning. This technology will most benefit drivers who may be falling asleep on the road.

In keeping with the idea that drivers themselves can be a safety issue, Bosch has also proposed modifying current vehicle safety ratings to include a sixth star. The sixth star will be used to rank a vehicle’s accident avoidance systems, such as predictive braking and lane departure notification. It’s a good way for consumers to compare a vehicle’s complete safety rating, rather than just its crashworthiness.

Vehicle safety is a puzzling issue for automakers. Despite improvements in vehicle safety measures, vehicle-related fatalities in the U.S. have stayed the same over the years, with about 40 000 deaths a year. Why are fatalities continuing at the same level despite technology which makes cars safer? One suggestion is that it’s not unsafe cars that are responsible for these deaths - it’s the unsafe drivers behind the wheel.

Robert Bosch LLC has come out with new research that found two out of three drivers don’t hit the brakes with enough force just before an accident. This isn’t because the driver wants the accident - it’s because the overload of information and stimuli, from multiple warning systems, distracting passengers, and the mental load of processing events on the road, all compete for mental resources, and slow down the decision-making process by a few vital milliseconds. The result is the driver hitting the brakes just a moment too late, or not quite hard enough.

The solution, according to Bosch, is a predictive brake-assist technology that will detect an anticipated accident and react by activating the brakes. The system will continuously monitor the surroundings on the road to determine stopping distance. With these calculations constantly running in the car’s computer, the hydraulic brake is properly engaged for full-force braking once an impact is evident.

There are over two-million front-end collisions each year, and while there is no way to know how much the predictive brake-assist system will reduce this number, it’s reasonable to assume it will help in some way. However, there is some argument that this technology will actually hurt safety. The argument is that because drivers will not understand the technology, they will assume the car will do the majority of the braking for them, and will not attempt to stop the car themselves. This argument seems absurd, but should not be discounted completely. More testing should be completed before this type of safety feature is mandated.

Manufacturers are already beginning to develop predictive braking technology into their new vehicles. Some, such as Cadillac, Volvo, Toyota and BMW, are currently experimenting with the technology. Others have implemented the system into their new models. Mercedes-Benz’s SL550 can detect an emergency by sensing the amount of pressure the driver applies to the brake pedal, and reacts by implementing the maximum power boost.

Predictive brake-assist technology is just one of many new technologies aimed at improving automotive safety. A lane departure notification is another new development which will protect drivers. It uses an electric eye to monitor the vehicle’s position in relation to the lines on the road. If the vehicle starts driving outside the lines, the system will release an audible warning, which could greatly benefit drivers who may be falling asleep during long drives.

In accordance with the theory that drivers may in fact pose a safety hazard to themselves, Bosch has proposed a modification to the current vehicle safety ratings. The proposed new safety ratings would include a sixth star, evaluating a vehicle’s accident avoidance systems, such as the predictive braking and lane departure notification systems. This will help consumers to compare just how safe a vehicle really is, taking into consideration how it will help them avoid accidents, not just how the car will hold up in one.

No one likes to waste time, especially not when you’re trying to get a new car loan. Luckily, there are a number of ways you can speed up the process of getting a loan for your new car.

Here are some tips which everyone, regardless of credit score or history, can use to save time when getting a loan:

1) Get your paperwork together. To prove your income, you’ll need your most recent paystub. To prove your residence, you’ll need your most recent phone, electric, or cable bill. Finally, if you have any credit problems like collections, bankruptcies, or leftovers from a messy divorce, get that paperwork together too. Put everything in an envelope and bring it with you when you go to see your lender - that way you’ll only have to make one trip.

2) Get your list of personal references together. When you apply for an auto loan, you’re usually required to give the name, address, and phone number of three or more friends or relatives that don’t live with you. If you get this information together ahead of time, you won’t have to scramble to figure it out while you’re completing your application.

3) Tell your boss, office manager, or human resources department at your work that you’re applying for an auto loan. They may receive a call from your lender to verify your employment, and if they’re aware of this in advance, they’ll be able to provide the information your bank needs more quickly and accurately.

4) If you have a trade-in, find out your exact payoff. Many times, when people apply for an auto loan, they estimate their trade-in payoff. The trouble with estimating your payoff is that your new lender may use your estimate as an exact value. If your payoff is actually substantially higher than you estimated, your loan may need to be re-approved for a higher amount. If your payoff is lower than you estimated, your interest rate might be higher than it should be. Save everyone some time (and yourself some money) and find out your exact payoff before you apply for a new loan.

5) Be honest! Your loan application may require you to list information about former residences, employers, etc. An accurate application will be processed quickly, but if you lie about your credit history, the lender will probably find out. This will lead to a long delay while the creditor goes through every aspect of your credit history, and may even result in your application being turned down.