How long after canceling a credit card can I apply for it again?

Before applying for a credit card again, you need to confirm the card cancellation status, whether the card has been canceled and the account has been canceled, or whether the card has been canceled. If it is just a card cancellation, there is no need to re-apply. You only need to ask the bank to restore the credit card. That's fine, if the bank proposes to restore the credit card. If you have canceled the card, you must check the time regulations of each bank. Here we are talking about the four banks: China Merchants Bank, Communications Bank, and China Construction Bank:

1. China Merchants Bank: cancel the credit card and close the account. Re-application must be in Reapply after 3 to 6 months. It is best to cancel the card after 6 months;

2. Bank of Communications: If you cancel the credit card and cancel the account, you have to wait 6 months to apply, but it is easy to be used by the same person. Card types are rejected;

3. China Guangfa Bank: Generally, if you apply within 3 months, the chance of rejection is as high as 90%, and the success rate is very high after 3 months;

4 . China Construction Bank: The old card has been successfully canceled and there is no debt or bad credit. You can apply at any time.

How long does it take to re-apply after canceling a credit card?

1. If you want to re-apply after canceling your credit card, or if you cancel your old card and want to apply for other cards, there is generally no time limit. of. That is to say, as long as you ensure that your old card is successfully canceled and no record of debt is left, you can apply for a new card at any time.

2. Some banks stipulate that if you want to apply for the same credit card after canceling your credit card, you generally need to cancel it for more than 6 months before you can apply again.

3. The canceled credit card will only affect the new card application in the following aspects:

(1) Whether the cancellation is successful. To cancel, you need to ensure that it is completely canceled and the old card has been cut off.

(2) Overdue issues. If you have experienced multiple overdues when using your old card, the success rate of reapplying is very low because you have left bad credit. In this case, you can only wait at least half a year before trying to apply again.

Extended information:

1. Canceling a credit card account must be done if you do not plan to continue using the credit card. If the account is not closed, the bank will charge the annual credit card fee annually.

2. Consequences of overdue payment:

(1) Liquidated damages are incurred, usually 5% of the unpaid portion of the minimum repayment amount.

(2) The interest rate is high and the interest rate is compounded. The interest rate is very scary when the debt is large.

(3) Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

(4) If the repayment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.

Reference source: Baidu Encyclopedia: Credit Card

How long after a credit card is canceled can you apply for a new card

After a credit card is canceled, you can apply for a new card again on the day you apply for cancellation. . There is no interval requirement for credit card applications. Users can apply for a card at any time as long as they want to apply for a credit card. Of course, the user's application for a new card needs to be approved by the credit card. If the application is not approved, the application will directly fail.

When applying for a credit card, users need to pay attention to the interval between each card application. It is generally not recommended to apply for a card frequently in a short period of time, as this will affect the chance of passing the review.

1. China Merchants Bank: Cancel the credit card and close the account. Re-application must wait 3 to 6 months. It is best to apply for a card 6 months after closing the account;

2 . Bank of Communications: After canceling the credit card and closing the account, you must wait 6 months to become a new account before applying. However, applying for the same card type is easy to be rejected;

3. China Guangfa Bank: Generally, you can apply again within 3 months. When applying, the probability of being rejected is as high as 90%, and the success rate is much higher after 3 months;

4. China Construction Bank: The old card has been successfully canceled, and there is no debt or bad credit, so you can apply at any time .

5. The five most worthwhile credit cards are as follows: Young users can try to apply for the CMB YOUNG card, which has a low application threshold and has many preferential activities; users with cars can try to apply for the Ping An Car Owner Card. The card provides gas discounts and other vehicle-related value-added services; users who like shopping on Taobao can try to apply for the CITIC Taobao Card, which calculates 10 times points for online transactions; users who like to follow TV dramas can try to apply for a video co-branded credit card; students You can try to apply for a campus credit card.

Different users have different card needs. As long as the card meets the needs of the users, it is a credit card worth keeping.

6. Canceling a credit card does not mean closing the account. Your card has been canceled, but your information is still in the bank, and there happens to be a gap period. If at this time, it is stolen by criminals, but you don't know anything about it, because you think that you have canceled the card and everything is fine, but in fact, your information has been stolen by others, and you have no choice but to apply for a new credit card. Discover. By the time you find out, substantial harm has been done to you.

How long after canceling a credit card can you apply again? Check the timetable of each bank

More and more people are using credit cards, and the popularity of credit cards has also accelerated the intensification of competition in the credit card market. New cards from various banks are emerging in an endless stream. Many cardholders want to cancel their old cards and apply for new ones. So how long after canceling a credit card can I apply again? Take a look at the schedules of major banks.

1. After canceling a China Merchants Bank credit card, you can usually apply again within 3 to 6 months;

2. After canceling a Guangfa Bank credit card, you can usually apply again within 3 months. The probability of rejection is as high as 90%, and the success rate is much higher after 3 months;

3. After canceling the China Construction Bank credit card, if you want to apply for other cards, there is generally no time limit, as long as you ensure that the old card has been If the Bank of Communications credit card is canceled successfully and there is no record of debt, you can apply at any time;

4. After the Bank of Communications credit card is canceled, you can generally apply for a Bank of Communications credit card again after 6 months, but it is recommended to apply for other card types.

Summary: No matter which bank’s credit card you cancel, try to avoid common cards when applying again, and the longer the time between cancellation and re-applying, the more beneficial it will be for you to apply for a card. Banks generally don't like customers who frequently cancel their cards. It is recommended that you think carefully before canceling your card. It is also a prerequisite not to blindly apply for a card. Choosing a credit card that truly suits you will not only bring convenience and benefits to your consumer life, but also the card's life cycle will be very long. Apply for a credit card entrance, find a credit card you like most, and no longer fall into the vicious cycle of applying for a card - canceling a card - applying for a card.

That’s it for the introduction of how long it takes to apply for a credit card again after cancellation.