Many friends are asking: If I cancel the credit card I don’t want to use, will the bank hold a grudge and I will never be able to use it again? Brother Xin summed it up and said that there are only a few reasons why you want to cancel your card: the credit limit is low, you have many idle credit cards in your hand, you have not raised the limit for ten thousand years, and your card has been blocked by the bank.

After canceling, some cardholders want to apply again. Regarding re-application, many cardholders suffered a lot. They applied for three or five years in a row before being re-applied.

Therefore, I have also heard many voices saying that banks hold grudges and it is difficult to apply again after deregistration. What is the bank's attitude towards card cancellation?

China Merchants Bank Credit Card

1. After canceling the card, you can reapply for a credit card at any time and will not be affected by the previous cancellation.

2. If you cancel the card but not the account, you can try to apply for restoration by calling the China Merchants Bank customer within 6 months.

CITIC Credit Card

1. After canceling the card, you can wait until the account is closed before applying for a credit card.

2. If the card is canceled but the account is not closed, you cannot apply for restoration. If you continue to use CITIC Credit Card, you can only choose to reapply.

Guangfa Credit Card

1. After canceling the card, you can apply again. If you are applying for another type of credit card, it will not be affected by the original canceled card. You can refill the application for a new card at any time. If you apply for the same type of card, you need to wait until the old card is closed before reapplying for a new card.

2. If the card is canceled but the account is not closed, the original credit card cannot be restored. If you want to continue using your Guangfa Credit Card, you can only choose to reapply.

If the bank holds the above attitude, then canceling the card will have no impact on future card applications. This may be because bank policies have changed and conditions for canceled card users have been relaxed. However, regardless of whether the bank really tolerates this practice, if you still want to apply for a card after canceling the card, I suggest you do this:

1. Try to apply for a new card 6 months after canceling the card or account.

2. If the bank calls back to ask about the reason for canceling the card before, you can say that the card was lost, the card was worn, etc. It is best not to say that it was because the limit was low or because you didn’t want to use it.

3. It is not recommended to apply for a credit card from the same bank after cancellation. You can apply from another bank.