Cooling Period for All Bank Credit Cards (Pre Approved Offers Excluded)

BVC · 2024-04-13T05:16:35+00:00

Hi TFC'ians, This is the cooling period for all bank credit cards mentioned below. BankCooldown Period American Express (Amex) 3 Months per card Axis BankNo Cooldown AU Bank3-6 Months BOB Cards6 Months HDFC Bank6 Months ICICI Bank6 Months IndusInd Bank6 Months IDFC First Bank6 Months 3 months AFTER cibil updated with closing date. (#43) RBL Bank3 Months SBI6 Months Scapia, FI other Fintech Cards3-6 Months Yes Bank3 Months Federal Bank3 Months One Card - Metal (Multiple Bank Partners)You cant reopen as per their terms PNB No cooldown if rejected online Apply Offline Got this information from different sources online and our community. Based on your experiences are there any changes? Just wanted to know the reapply time frame from the time of closure of the cards also. Update as on 21-10-2024: IDFC Bank old trick of changing mobile number and applying is patched. Update as on 26-11-2024: IndusInd Credit Card cooling period has been changed to 6 months as per the user reported. Edit 06-02-2025: Minor cleanup. RBL and IndusInd are verified. Added PNB. Updated IDFC.

Threadmarks BoB Address Verification Rejection can be applied after 3 months ~06 Feb 2025

Beyond

TF Legend

Feb 6, 2025

is cooling period after closing a card is same as mentioned here? I'm asking for HDFC.

Also, for bob if card is declined by reason of address verification, you can apply after 3 months

Beyond
Feb 6, 2025

Cooling Period for All Bank Credit Cards (Pre Approved Offers Excluded)

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