Going back to old credit card providers

rachel123_2

:rolleyes: Hi everyone

Can anyone tell me how long it has to be before you can go back to one of your old credit card providers after you have closed your account? E.g if I closed my Mint Card 8 months ago, could I re-apply?

Thanks...!

tom188

RBS is 8 months from closure date. (Mint, RBS, Natwest etc).

nomoneytoday

You can reapply anytime. Usually the odds on being accepted increase after 6-12 months

tom188

You can reapply anytime. Usually the odds on being accepted increase after 6-12 months

No RBS have a statuatory 8 months from when you close the card.

Phoenix79_2

HSBC is 3 months if i recall correclty.

Amex I believe is 6 months

YorkshireBoy

Phoenix79 wrote:

HSBC is 3 months if i recall correclty.

Because you're 'connected' (I believe?), I quoted you the other day on the stoozing website.

Another stoozer questioned your 3 months figure because he'd just been told 6 months by HSBC card services.

It'd be nice to get a definitive answer on this one Phoenix (if you could, please?).

Phoenix79_2

Yeah I work in the group but not in banking at all.

When i asked HSBC card services about whether I could apply for the 0% BT until April 08 Mastercard depsite already having a HSBC Gold Visa I was told I couldn't (they couldn't even bend the rules for me!). I was informed I would have to close my old card and wait 3 months before I could apply. Only then would i be treated as a 'new' customer.

I'll try to find out whether the 3 month figure is for staff only or everyone. My colleague next to me got accepted today and he got 0% on BT's until May 08, not April and 9 months 0% on purchases not 6 months. This was purely a staff special offer (so special none of us knew about it!)