Cooling Period for All Bank Credit Cards

[anonymuos]

Your can get the application ID deleted after 1 month in case of AU as well. I think your should update the table as per various inputs received.
This would be a master reference thread for everyone.
Thanks for the efforts 😊 😊

In AU, lead can be deleted after 1 month if application was abandoned/left halfway. If successful application but card denied, lead can only be deleted after 6 months. They check status of application and won't entertain deletion requests if card is declined

 

[BVCBVC is verified member.]

sbi 3 months. pno officer said so

As per my experience it's 6 months. I have applied some SBI card in March ending declined for overleverage and I am unable to apply till the month end of septemeber.

 

[BVCBVC is verified member.]

Your can get the application ID deleted after 1 month in case of AU as well. I think your should update the table as per various inputs received.
This would be a master reference thread for everyone.
Thanks for the efforts 😊 😊

I have considered it as card declined and in general cases.

 

[HumorSimpson]

As per my experience it's 6 months. I have applied some SBI card in March ending declined for overleverage and I am unable to apply till the month end of septemeber.

So even SBI is not clear on their own lunch breaks ?

 

[hellobois]

In AU, lead can be deleted after 1 month if application was abandoned/left halfway. If successful application but card denied, lead can only be deleted after 6 months. They check status of application and won't entertain deletion requests if card is declined

Then there is no consistency as I have got my declined card application deleted after 35 days and applied fresh.
However there is no clue about the fresh application as well 😔 ❤️‍🩹

 

[vine]

@BVC
I suggest to move this thread to Informative Threads.

 

[sparkit]

Hi TFC'ians,

This is the cooling period for all bank credit cards mentioned below.

Bank	Cooldown Period
American Express (Amex)	3 Months per card
Axis Bank	No Cooldown
AU Bank	3-6 Months
BOB Cards	6 Months
HDFC Bank	6 Months
ICICI Bank	6 Months
IndusInd Bank	3 Months
IDFC First Bank	6 Months (Can be applied with Different Mobile Number instantly)
RBL Bank	3 Months
SBI	6 Months
Scapia, FI other Fintech Cards	3-6 Months
Yes Bank	3 Months
Federal Bank	3 Months
One Card - Metal (Multiple Bank Partners)	You cant reopen as per their terms

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.

"Oops! Your application couldn't be processed due to one of the following reasons:​

You already have an application in -progress.Please login again with the exact mobile number and DOB, provided earlier by you to resume.
OR
You already hold an IDFC First Bank credit card."

Got the above message when applying with different mobile number and applying after a month.

 

[BVCBVC is verified member.]

@BVC
I suggest to move this thread to Informative Threads.

Missed it earlier. Moved to Informative Thread section. Thank you.

 

[BVCBVC is verified member.]

"Oops! Your application couldn't be processed due to one of the following reasons:​

You already have an application in -progress.Please login again with the exact mobile number and DOB, provided earlier by you to resume.
OR
You already hold an IDFC First Bank credit card."

Got the above message when applying with different mobile number and applying after a month.

Earlier this trick was working, IDFC patched it now?? Someone else confirm.

You can request customer care to remove the application number which is active.

 

[moneyMaker]

If you apply through the axis mobile app, pre approved that is,

you don't need to do any kyc stuff, and the card is dispatched instantly.

for that, the cooling period is I think 6 months?

or it was 3 months?

 

[BVCBVC is verified member.]

If you apply through the axis mobile app, pre approved that is,

you don't need to do any kyc stuff, and the card is dispatched instantly.

for that, the cooling period is I think 6 months?

or it was 3 months?

It was 3 months earlier.

 

[sparkit]

Earlier this trick was working, IDFC patched it now?? Someone else confirm.

You can request customer care to remove the application number which is active.

Yes, it’s patched already.

 

[Boy 07]

Hi TFC'ians,

This is the cooling period for all bank credit cards mentioned below.

Bank	Cooldown Period
American Express (Amex)	3 Months per card
Axis Bank	No Cooldown
AU Bank	3-6 Months
BOB Cards	6 Months
HDFC Bank	6 Months
ICICI Bank	6 Months
IndusInd Bank	3 Months
IDFC First Bank	6 Months (Can be applied with Different Mobile Number instantly)
RBL Bank	3 Months
SBI	6 Months
Scapia, FI other Fintech Cards	3-6 Months
Yes Bank	3 Months
Federal Bank	3 Months
One Card - Metal (Multiple Bank Partners)	You cant reopen as per their terms

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.

In my view Yes Bank ,Hdfc and axis says their customers for colling period but it's not so .after a month can be approved