My stan char lifetime free credit card got discontinued because of non spends. How to get it back?

[NikhilG]

I guess they reached out to me via text msgs but I didn't realize that I had to give a missed call in order to let them know that I wanted to continue using the credit card. Is there any way I can ask them to undo the discontinuation of credit card or I need to make fresh application. If fresh application needs to be done do I need to wait for sometime?
Also can I participate in cashkaro reward schemes which gives gift card for ntb cc applications?

 

[supperman]

I guess they reached out to me via text msgs but I didn't realize that I had to give a missed call in order to let them know that I wanted to continue using the credit card. Is there any way I can ask them to undo the discontinuation of credit card or I need to make fresh application. If fresh application needs to be done do I need to wait for sometime?
Also can I participate in cashkaro reward schemes which gives gift card for ntb cc applications?

By this, do you mean your credit card got closed by SC? They do send text messages upto 2 months prior to any such action. You need to transact at least once every year to avoid closure, and in the text message, it'll also give you an option to send a text or give a missed call to a number to avoid closure. If you've missed doing any of these entirely and the card is closed, then there's no way to get that card back. You'll need to make a fresh application, which comes with all the other nuances associated with it. This can be done immediately. Be aware, SC has stopped fresh card applications, unless you're a SC account holder.

 

[NikhilG]

By this, do you mean your credit card got closed by SC? They do send text messages upto 2 months prior to any such action. You need to transact at least once every year to avoid closure, and in the text message, it'll also give you an option to send a text or give a missed call to a number to avoid closure. If you've missed doing any of these entirely and the card is closed, then there's no way to get that card back. You'll need to make a fresh application, which comes with all the other nuances associated with it. This can be done immediately. Be aware, SC has stopped fresh card applications, unless you're a SC account holder.

Would that have affected my cibil?

 

[supperman]

Would that have affected my cibil?

Closure or fresh application? Former - maybe, latter - almost certainly.