Santander Credit Card. Once closed barred forever? any others the same?

jay1804

I don't think this is the case for Santander, when I wanted to change my card they advised me to close my current CC and apply for the new one.

PixelPound

I closed a Santander after I did a current account transfer and got a new CC (over a year later) without issue.

WillPS

I've had (at least) 3 Santander credit cards in the last decade, with no overlap between them.

blue.peter

pfpf said:

Once you've had and closed a Santander CC account you can't get another - ever, is that correct?

No, it's not correct. I closed one in 2018 and opened another in 2022. No problem.

Nasqueron

Ergates said:

pfpf said:

hi.
as the title says really. Once you've had and closed a Santander CC account you can't get another - ever, is that correct?

It would probably depend on the reason the account was closed.   If someone kept their account in "good order" (i.e. always made their payments etc), then it seems unlikely the bank wouldn't want them back *ever*.  If, however, the account was closed in arrears, then they'd probably not want them back.

Nasqueron said:

GrumpyDil said:

I'm not sure that is forever as banks can't keep personal data forever unless there is a business justification.. Possibly they could argue it was justified but not convinced it would have legs. 

Banks can't keep personal data no but they can have an internal blacklist sort of thing if they don't want someone back - as they are allowed to do as a business making a commercial decision

Banks *can* keep personal data - potentially indefinitely - as long as it is to support a "legitimate" business interest.  So, for instance, if someone had committed fraud against a bank (or, more commonly, gone into arrears on a load/credit card), then they would have a legitimate interesting in never doing business with them again.  Therefore, they would be allowed to keep sufficient details about that person to ensure they were able to do that.  They *wouldn't* be allowed to hold onto any personal data that *didn't* support that aim.

That's what I said /thumbsup

Ergates

Nasqueron said:

Ergates said:

pfpf said:

hi.
as the title says really. Once you've had and closed a Santander CC account you can't get another - ever, is that correct?

It would probably depend on the reason the account was closed.   If someone kept their account in "good order" (i.e. always made their payments etc), then it seems unlikely the bank wouldn't want them back *ever*.  If, however, the account was closed in arrears, then they'd probably not want them back.

Nasqueron said:

GrumpyDil said:

I'm not sure that is forever as banks can't keep personal data forever unless there is a business justification.. Possibly they could argue it was justified but not convinced it would have legs. 

Banks can't keep personal data no but they can have an internal blacklist sort of thing if they don't want someone back - as they are allowed to do as a business making a commercial decision

Banks *can* keep personal data - potentially indefinitely - as long as it is to support a "legitimate" business interest.  So, for instance, if someone had committed fraud against a bank (or, more commonly, gone into arrears on a load/credit card), then they would have a legitimate interesting in never doing business with them again.  Therefore, they would be allowed to keep sufficient details about that person to ensure they were able to do that.  They *wouldn't* be allowed to hold onto any personal data that *didn't* support that aim.

That's what I said /thumbsup

You said "Banks can't keep personal data" - which is the opposite.

Nasqueron

Ergates said:

Nasqueron said:

Ergates said:

pfpf said:

hi.
as the title says really. Once you've had and closed a Santander CC account you can't get another - ever, is that correct?

It would probably depend on the reason the account was closed.   If someone kept their account in "good order" (i.e. always made their payments etc), then it seems unlikely the bank wouldn't want them back *ever*.  If, however, the account was closed in arrears, then they'd probably not want them back.

Nasqueron said:

GrumpyDil said:

I'm not sure that is forever as banks can't keep personal data forever unless there is a business justification.. Possibly they could argue it was justified but not convinced it would have legs. 

Banks can't keep personal data no but they can have an internal blacklist sort of thing if they don't want someone back - as they are allowed to do as a business making a commercial decision

Banks *can* keep personal data - potentially indefinitely - as long as it is to support a "legitimate" business interest.  So, for instance, if someone had committed fraud against a bank (or, more commonly, gone into arrears on a load/credit card), then they would have a legitimate interesting in never doing business with them again.  Therefore, they would be allowed to keep sufficient details about that person to ensure they were able to do that.  They *wouldn't* be allowed to hold onto any personal data that *didn't* support that aim.

That's what I said /thumbsup

You said "Banks can't keep personal data" - which is the opposite.

I did if you cut my sentence short, sure, but misquoting like that to change the meaning of a sentence is against the forum rules so you'd be wise to not keep doing it

BACKTOBACK

Its not correct for credit cards. I have had about three over many years. I use the promotional offer of free balance transfers, or whatever the card offers then when the promotion is about to expire i apply for a new card with a different promotion. I was told that i couldnt apply for the same account type. so if i had the world card at the time i had to apply for a different card. Currently have a card with £12k free balance transfer no fee or interest until December. I have a money transfer with halifax but the fee is not an initial payment. Its an apr. So i move all the money from santander to halifax, then the same day move the money to my chase boosted account at 5.1% until december. will make the minimum payments until december then clear it off

daivid

I'm on my fourth Santander CC. Far from being the hardest, in my experience they are one of the easiest to get a new card with. On one occasion I closed their 0% BT card one day and opened a new one the next. There have been times they haven’t wanted me as a CC customer, and I suspect this is the case currently with the OP. In the run up to getting my latest Santander CC their eligibility check was saying no month after month then flipped to yes about the same time a couple of credit checks would have dropped off my history.

alco_pop

I just closed my HSBC card, as was coming close to the end of the interest free period, on closing it said I couldn't apply again for 6 months