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How soon can I re-apply for a credit card I have had previously
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# 1
Old 11-07-2007, 10:26 PM
MoneySaving Newbie
Join Date: Jul 2007
Posts: 1
Default How soon can I re-apply for a credit card I have had previously

Hi Everybody,

This is my first go easy on me ;o)

I was looking through my wallet and realised I had 5 credit cards in it that had no balances on and that I never use. I do however have a 6th card which is the one I use and does has a balance on.

The 0% interst period is coming to an end on this 6th card and so I used an online facility for checking the best deals on balance transfers, as I do at the end of every promotional period (serious credit card tart ). It was then that I realised the majority of the best offers were cards I already had but the promotional period had ended for me which is the reason I balance transfered the remaining balance to another 0% card and left the card active but with no balance on.

So I thought if I cancel the cards I no longer use how long should I wait until I can re-apply for a card that I have already had about a year ago and would the lender even consider me being that I had an account and closed it and now I am requesting to open another account?

If anybody has had any experiences with this I would be really interested to read about it.

Thanks Guys!!
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# 2
Old 12-07-2007, 10:34 AM
Serious MoneySaving Fan
Join Date: Mar 2004
Location: Edinburgh
Posts: 1,354

The usual time lag to re-apply is 6 months. If you have cards you wish to close I would suggest you phone the issuer and ask if they have any offers as you intend to close the card. You might just get lucky.

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# 3
Old 12-07-2007, 12:31 PM
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Join Date: Jul 2003
Posts: 6,248

Most after six months (as said), but also

Egg - 12 months

Capital One - 1 month (but must not then reapply for 6 months if rejected)

Nationwide - may get a new card again, but can never be eligible for their (current) promotional deal a second time there is a bit of variation there
.....under construction....

Last edited by Milarky; 12-07-2007 at 12:33 PM.
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