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applying for a card whhich you used to have before
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shazrazmataz
Posts: 1,165 Forumite

in Credit cards
Can you apply for credit cards which you used to have before but you've closed the account ?

Shaz xx
Living & lovin' life 'down under'.
There Comes A Point In Your Life When You Realise Who Matters, And Who Never Did, And Who Always Will. So Don't Worry About People In The Past There's A Reason Why They Didn't Make It Into Your Future............
Living & lovin' life 'down under'.
There Comes A Point In Your Life When You Realise Who Matters, And Who Never Did, And Who Always Will. So Don't Worry About People In The Past There's A Reason Why They Didn't Make It Into Your Future............
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Comments
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Ooh good question Shaz! I've often wondered this.Shanni0
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Yes, as long as you leave a gap (6 months - 1 year).
However recently some have reported being refused if they just used the card previously for the 0% offer then closed it. It remains to be seen if this becomes more widespread.0 -
Mint will automatically refuse an application from anyone who was a customer in the last eight months.
I understand Nationwide will accept you as a new customer but you are only ever offered any special offers available to new customers once.
I think Egg is 6 months.
No relevant experience of others.0 -
We've cancelled an MBNA visa then immediately appiled for MBNA matercard.. and was accepted with the same credit limit!!0
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Halifax - even if you already have a card, you can probably get another card, and get the introductory offer on the new card. So I don't see how cancelling cards would make much difference.
If you have closed all your accounts with any particular credit card provider, then I think there are legal limits on how long they can hold your details anyway.
And even if there aren't - it costs money to store data about people. Sooner or later, you will be like a totally new customer to them anyway.0 -
shazrazmataz wrote:Can you apply for credit cards which you used to have before but you've closed the account ?
It varies from provider to provider
But generally, most require anywhere between 6 to 9 months before you can apply again.
One thing Ive not tested yet, is calling them to cancel a card every month, and seeing what offer they give to keep the card, i.e. if the offers rubbish, you change your mind and call again in a months time and see what they offer, maybe eventually you will get that elusive repeat 0%0
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