Can I still apply for a credit card after canceling my credit card account?

Nowadays, many credit card holders want to apply for a credit card after canceling their account. I don’t know if it is possible. Of course, you can apply for a credit card after canceling the card. Of course, there are different circumstances for cancellation.

The account has not been cancelled.

In this case, the credit card can be reactivated, but you must hurry up. Because many banks have time limits. For example, Industrial Bank stipulates that the maximum validity period for reactivation after cancellation is 90 days. Simply put, within 90 days from the time you cancel the card over the phone, the card has been canceled, but the account has not been cancelled. If it exceeds 90 days, Days later, the account will be automatically deleted. If you want to activate it again, you can only resubmit the application information and apply for a credit card. Also note that if you apply for activation within the validity period of a credit card cancellation, the bank will also review it. Depending on your previous card use, the card may be resurrected conditionally.

When canceling the card, the account is also canceled

Whether the card is canceled or the account is canceled and the card is canceled, you can directly call 400-820-5555 and transfer to manual customer service within 6 months to restore the credit card Of course, if the card has been overdue before, or the card was dormant before cancellation, the probability of activation will plummet, and the final result will be subject to bank review.

We still want to advise cardholders who cancel their cards and accounts. Some banks have requirements for the number of times they can apply for a credit card. For example, if you apply for a credit card from Agricultural Bank of China, it is best not to cancel your account casually, because an account number There is only one opportunity to apply. If you cancel your account, you will no longer be eligible to apply for a card. Also, after successfully applying for a credit card, even if you don’t use it frequently, it is not recommended to cancel the card directly. First, you have a credit card for emergencies, just in case of unexpected needs; second, you can accumulate personal credit, and you can make a swipe once in a while. The annual fee is waived. As long as it is not overdue, it can also extend the accumulation time of your credit report. In short, don’t cancel the card easily.