When applying for a credit card, I believe everyone has encountered a small amount credit card. Sometimes, they are full of expectations and hope that the bank will issue a large credit card. But when you apply for a card, it is often only a few thousand, so many friends usually cancel it when they see that the credit card is too low.

But here comes the problem. The bank finally gave you the card, but you canceled it. Will it offend the bank? Can I apply for a credit card from the bank in the future? Will it affect my application for a credit card?

If you use your credit card well, canceling it without any balance or debt will not have a negative impact on your personal credit record. However, if the cardholder has a bad credit record while using the card, or there is an unpaid debt on the card when the card is canceled, it will have an impact on the personal credit record.

If you try to cover up a bad record by issuing a new card, it may be difficult to succeed because your bad record will cause the bank to refuse to issue you a credit card again.

In fact, if you return the card normally, you must make sure not to leave any "tails" when you return the card, prepare the relevant certification card, and ensure that there is no outstanding balance in the card (if the deposit amount is small and you don't want it, please contact the The staff explained and asked them to clear out). For most banks, it will basically not affect your subsequent credit card application.

In short, before applying for a credit card, you need to make sure that your credit with this bank is good and that you have not used the card illegally. However, each bank will have a certain application time limit after canceling the card.

How long does it take to apply for a credit card after cancellation?

Before applying for a new credit card, you need to confirm the status of the canceled card, or has the account been canceled? Or just selling cards? If you just cancel the card, you don’t need to reapply, you can just go to the bank to restore the credit card.

If you cancel your account and then apply again, you have to check the time regulations of each bank. Here are the four banks: China Merchants Bank, Bank of Communications, China Guangfa Bank, China Construction Bank:

1. China Merchants Bank: cancel the credit card account and reapply after 3 to 6 months. It is best to cancel the account. Apply for a card after 6 months;

2. Bank of Communications: After canceling the credit card account, you have to wait 6 months to become a new account before you can apply, but applications for the same card type are easily rejected;

3. Guangfa Bank: Generally, if you apply again within 3 months, the probability of rejection 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, no debt, no bad credit. You can apply at any time.

After the card is cancelled, it may still have a certain impact on some banks. Therefore, in order to fully buffer this impact, we should try our best to do the following:

1. Strive not to default and not have a bad credit record. This is the most important point.

2. Try to apply for a card from the same bank six months after the card was sold. You can choose other types of credit cards at the same time; if the customer returns and asks why the previous card was cancelled, they will say "overseas", " Lost card" and other reasons.

3. If your credit card is overdue, do not rush to cancel it, because it is difficult to apply for another credit card if it is overdue; and if a new credit record is not generated, the overdue record can only be "washed out" after 5 years.

So, after the due date, you should repay the balance in full as soon as possible, then use the card normally and repay the balance on time. After two years, new credit records can cover overdue records. Related Q&A: How to cancel a China Merchants Bank credit card? To cancel a credit card, you need to go to the counter of China Merchants Bank with your ID card and bank card. Cancellation of a credit card does not mean canceling the account. If you do not want to use this bank card in the future, it is best to cancel the account at the same time. Because you do not close your account and then apply for a credit card, you cannot enjoy the discounts from the same bank. To prevent someone from stealing your credit, cut off the delay strip on your credit card after canceling it, or apply for a loss report before canceling it.

1. Before canceling a credit card, please pay attention to the following aspects: 1. Confirm the remaining debt and balance in the card, accurate to the minute. Bank cards with unpaid balances cannot be canceled. If there is too much money saved, the bank will ask the user to Provide a savings card from your own bank and transfer the excess money to the savings card account; 2. Destroy the card and unbind the payment and withholding agreement of the payment platform. When canceling, the customer service will inform the user how to cut off the credit card and will also remind the user. Users should not add new consumption. Users need to check their previous binding records on Alipay, WeChat, Meituan, mobile phone automatic recharge or water and electricity payment and deduction platforms one by one and cancel the binding to avoid new deductions; 3. Credit card The cancellation period generally lasts 45 days. After that time, users can call the bank's customer service number to confirm whether the card cancellation is successful. 2. If you regret canceling your China Merchants Credit Card application, can you restore it? If you regret after applying for cancellation of a China Merchants Bank credit card, you can naturally recover it if only a single card is canceled and the card is kept intact. At the same time, you maintain good personal credit and meet the conditions for restoring the credit card. It takes about two days from the time of application. It can be resumed after working days. Of course, with the exception of high-end credit cards, customers can only apply for new cards. And if the customer chooses to cancel the entire account, that is, cancel the China Merchants Bank account and all the China Merchants Bank credit cards in his or her name at once, it will be difficult to recover. 3. What are the consequences of not canceling the credit card when it is no longer in use? If you do not cancel the credit card after not using it, annual fees will be accumulated. If you do not repay the credit card overdue, once it is recorded, you will have trouble handling related matters such as loans and credit card applications in the future. Therefore, it is best to cancel your credit card if it is no longer in use.