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Applying for new credit cards time frames

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Does anyone have any idea about the time frames involved in getting a new card from a bank that you previously had a card with. I think i asked M and S if they would switch/swap my card to a 0% purchase but was told i needed to cancel my current card and wait for 1 year  and Sainsburys told me 3 months. Does anyone know about other banks?

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  • MorningcoffeeIV
    MorningcoffeeIV Posts: 1,945 Forumite
    1,000 Posts First Anniversary Name Dropper
    edited 8 September 2023 at 7:21PM
    Typically 6 months but check criteria for the ones you're interested in 
  • daivid
    daivid Posts: 1,286 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Correct for M&S and Sainsbury's (90 days), but the variation is huge; Santander is (or was) instant - I closed a 0% BT card one day and took out the same card with a fresh 0% deal the next. Some providers may simply not want you back for a long while - it was years before I could get another Barclay card but that could have been coincidence with changes in lending policy etc. 
  • Vook
    Vook Posts: 8 Forumite
    Second Anniversary First Post
    Six months for Barclaycard.
  • Although not directly BT related,  Amex have a 2 year ‘churn time’ to become eligible for the introductory offers again.  


  • Many thanks for your replies
  • WillPS
    WillPS Posts: 5,168 Forumite
    Part of the Furniture 1,000 Posts Newshound! Name Dropper
    Tesco Bank told me they'd be happy to accept a new application from me straight away when I closed my Premium card back in May.
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