At present, many cardholders will cancel their credit cards and then want to apply for a credit card at the same bank. Some people will think that if there is a card refund record, they may not get the card. So, will the cancellation of credit cards affect the future card processing? In fact, this should be analyzed according to the card status when the credit card is cancelled.

Does the cancellation of credit cards have an impact on future card processing?

Credit card cancellation is divided into normal cancellation and abnormal cancellation, which have different effects on future card handling.

1. Let's talk about normal cancellation first.

That is, when the credit card is not overdue, the status is normal, and there is no debt and balance in the card, the reason for cancellation may be that the credit card is too low, or it is simply redundant and inconvenient to manage, and then it is cancelled. It is best to apply for a card every six months after cancellation, but you may not get a card. After all, the cancellation record can still be found in the credit report.

For cardholders who have experience in returning cards, banks will issue cards cautiously. After all, credit cards cost at least 200 yuan, especially those who cancel their cards directly without using them. It will be more difficult to issue cards unless they can produce materials to prove their qualifications, such as real estate, automobile production and property management. Or move bricks and deposit money directly in the bank, and the bank may still give them a card, and the amount is not guaranteed.

2. Let's talk about abnormal cancellation first.

Mainly refers to the cardholder's credit card overdue, and then cancel the credit card after paying off the debt, thinking that this can wash away the credit information, but the result is that the credit card is too smart to be wrong. After the cancellation of the credit card, the repayment record is frozen, no new record is generated, and it is permanently saved and not eliminated.

In this case, if you want to apply for a credit card again, it is basically impossible to get a card. As soon as the bank checks the credit information, it will see the record of overdue account cancellation, and nine times out of ten it will refuse the card. So remember, it is unwise to cancel the credit card after the deadline. It is best to continue to use the card for at least 2 years after paying off the arrears, and cover up the bad records with new records. There is still hope for getting a card in the future.

The above is "will the cancellation of credit card affect the card application in the future?" I hope I can help you.