Halifax - New Customer?

garethbrock

I have just closed my halifax credit card today. The MSE article on when are you a new customer indicates that Halifax/Lloyds would be a new customer 30 days after the last statement. My last statement was today so I'm hoping to apply for a new card in a months time.

Does anyone have any experience of the 30 day new customer? is the guide a rough indication or very factual?

Would it be better for my credit score to wait a few more weeks say mid December before applying so they can all catch up and be updated?

Thanks

eskbanker

As that guide says:

The length of time you have to wait in order to qualify for the hot intro deals is up to individual card companies - there's no golden rule here, but we've asked the big credit card providers for a rough guide to their policy (don't take these as gospel)

InsideInsurance

garethbrock wrote: »

I have just closed my halifax credit card today. The MSE article on when are you a new customer indicates that Halifax/Lloyds would be a new customer 30 days after the last statement. My last statement was today so I'm hoping to apply for a new card in a months time.

Does anyone have any experience of the 30 day new customer? is the guide a rough indication or very factual?

Would it be better for my credit score to wait a few more weeks say mid December before applying so they can all catch up and be updated?

Took 3 months for my closed barclaycard to show as such on the CRA files. Due to batch processing and reporting cycles etc it can take much longer than you'd expect in this day and age for the CRAs to update.

You need to read the exact terms for the offer you are applying for to see if you qualify it. Many providers have fairly consistent rules but they can vary them for any single offer that they want.

jonesMUFCforever

My old Lloyds card had to be closed for 6 months before I got a new card from them.

GingerFurball_2

garethbrock wrote: »

I have just closed my halifax credit card today. The MSE article on when are you a new customer indicates that Halifax/Lloyds would be a new customer 30 days after the last statement. My last statement was today so I'm hoping to apply for a new card in a months time.

Does anyone have any experience of the 30 day new customer? is the guide a rough indication or very factual?

Would it be better for my credit score to wait a few more weeks say mid December before applying so they can all catch up and be updated?

Thanks

Whatever article this is is incorrect. It is 6 months.