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Will it affect to apply for another credit card after cancellation? Will the bank refuse the card

Will it affect you to apply for a new card after the cancellation of the credit card? Or will the bank not approve the card after you cancel the credit card but want to apply again after a period of time? Today's editor will talk about this problem with you.

First of all, if you are abnormal card sales, it will definitely affect your card handling again.

If the credit card is used well, the cancellation of the card without balance or debt will not have a bad effect on the personal credit record. However, if there is a bad credit record left by the cardholder in the process of using the card, or there is such a situation that the debt on the card is not paid off when the card is cancelled, it has an impact on the personal credit record.

If you attempt to cover a bad record by selling a new card, it may be difficult to succeed, because your bad record will cause the bank to refuse to issue another credit card to you.

So if you are a normal Pin card, what should you pay attention to?

In fact, if you are a normal card seller, do not leave 'tail' for cancellation, prepare relevant certificate cards and make sure that there is no debt in the card (if the deposit amount is small, do not want to, please explain to the staff, ask them to clear up). Besides, make sure that there is no bad credit record such as default, which will not affect your subsequent credit card for most banks.

In addition, after the cancellation of the credit card, you can't throw it around at will, because the card contains a lot of personal information, and even some places only need the card number to use, so you should collect it carefully by yourself or cut the magnetic strip and hand it to the bank's counter for special smashing.

Other aspects to be noted:

After card sales, some banks may still have certain impact. Therefore, in order to fully buffer this impact, we should try our best to:

1. It is the most important point to strive for no overdue payment and no bad credit record.

2. Try to apply for the same bank's card half a year after the cancellation of the card. At the same time, you can choose other types of credit cards. If the customer asks why the previous card was cancelled, he will say "stay abroad", "card lost" and other reasons.

3. If the credit card is overdue, do not rush to cancel the card, because it is difficult to apply for another credit card if it is overdue; moreover, if there is no new credit record, the overdue record can be 'washed out' after 5 years. So after overdue, you should pay in full as soon as possible, then use the card normally and pay in time. After two years, the new credit record can cover the overdue record.