Reapplying for previously utilised 0% Cards

Carloantoclear

Hi,

My apologies if this has been covered eleswhere, but what have been peoples experiences of closing 0% credit card accounts allowing a period of time to pass and then reapplying. Has a new 0% period been offered, or just a standard APR since an account was held previously.

Thanks

Paul_Herring

6 months is the usual time acceptable to companies between closing an old card and opening a new one as a 'new customer.'

Galstonian

Six months is the minimum IME. Some (Mint?) want 7, others more up to Nationwide who will only ever offer you a particular deal once as a new customer whether you leave and come back or not.

dc

Hi Gal,

with Nationwide you are allowed ONE change of cards if the one you have is "unsuitable", so means you can change from 0% to reward if you wish.

Galstonian

dc wrote:

Hi Gal,

with Nationwide you are allowed ONE change of cards if the one you have is "unsuitable", so means you can change from 0% to reward if you wish.

But you can only get each particular deal once, you still can't leave and then come back as a new customer.