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Why can’t you have both with HSBC credit card? Why can't I apply again once my card is cancelled?

Most banks are like this, and we can think of it as "holding a grudge."

Just like people, you abandoned me first, and after a few days you came back to say good things to me. How can you not hold grudges?

It is generally difficult to pass applications in the short term, or some will make it clear on the official website that applications cannot be re-examined within six months (or a certain period of time) after canceling our bank's credit card. In some banks' systems, if a cardholder whose card has been canceled applies again within six months, the system will not approve it.

If you really like HSBC’s credit card, wait until HSBC calms down before applying.