Is it the same to apply for a credit card after cancellation? Think about the consequences before you act!

The credit card limit determines the overdraft consumption level. For this reason, many cardholders are dissatisfied with the credit card limit, so they want to get a high limit by canceling the credit card and applying again. They think that even if the credit card limit is not high, it will be the same as the previous credit card limit at worst. In fact, this practice is very unwise. Let's take a look at it together.

is it the same to apply for a credit card after cancellation?

It can only be said that it is not certain, which can be divided into three main situations, as follows:

1. Apply after the credit card is cancelled. If the information submitted is exactly the same as that of the previous card application, if the current credit has not changed, if the card is successfully approved, the credit limit will be 9% the same as that of the previous card.

2. It is a problem whether you can cancel your credit card before applying. According to the understanding, less than 7% of the credit cards can be successfully approved after they are cancelled. There are two main reasons for rejection. One is that the bank is afraid of malicious card use after application, and the other is that the bank is afraid that it will cancel the card soon after approval, so it is unwilling to waste too much cost for such people.

3. If you apply after the credit card is cancelled, the amount may be lower. Even if the bank can approve the card, it will not send you a credit card with too high a limit. The lucky limit is the same as your previous credit card, but considering that you have cancelled your credit card before, the credit card approval limit will be even lower.

Therefore, it is not recommended that you cancel your credit card and then apply for a high quota. Because it is more difficult to cancel the credit card and apply for it later, even if the card is approved by luck, the amount is not necessarily higher than the original credit card. And if you want to get a high credit card, it is best to raise the amount by swiping the card.

Here are some quick withdrawal skills:

1. Spend more money by credit card, pay back on time, keep a good record of using the card, and call the bank customer service to apply for withdrawal 6 months after spending the card. If the customer service doesn't agree, you can threaten to cancel the card without raising the amount, and the bank will usually raise the amount for you in combination with the use of your card.

2. If the first method doesn't work, then don't cancel your card easily. You can apply for a credit card from another bank. Other banks will refer to the credit history of this credit card and grant you a credit card with a higher amount.

the above is "is it the same as applying for a credit card after cancellation?" I hope it will help you. In a word, applying for a credit card after cancellation is not necessarily the same as the original credit card quota, so don't rely on this method for opportunism, but make good use of credit card consumption to increase the amount.

is it the same to apply for a credit line after the credit card (debit card) is cancelled?

if the credit card (debit card) is cancelled before applying, if the information submitted is exactly the same as that of the previous application card, if the card is successfully approved under the condition that the current credit has not changed, the credit limit will be 9% the same as that of the previous card.

However, applying for a credit card (debit card) after cancellation may not necessarily result in card approval, because banks hold grudges and are afraid that they will cancel the card soon after it is approved, so they are unwilling to waste the cost for you. If you approve the card, considering that you have cancelled the credit card (debit card) before, even if you approve the card, the amount may be lower than before.

will cancellation of credit card (debit card) and reapplication increase the credit limit?

Re-applying for a credit card (debit card) after cancellation may not necessarily increase the quota, because each application for a credit card (debit card) will be re-approved, focusing on the applicant's current qualifications, credit, repayment ability and other factors. In addition, the existence of previous card cancellation records will also have an impact on the approval of credit cards (debit cards), which may not be possible.

So if the credit card (debit card) is not high, don't cancel it impulsively. You can apply for the card by curve to increase the credit limit. If the credit card is high, it is not too late to cancel the first card.

Can I apply for a credit card cancellation and then apply for a credit line? This is the end of our introduction. I wonder if you found the information you need from it?