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.

 

[harsh_ujjwal]

Would that have affected my cibil?

If it were your 1st card thn it will reduce your credit age hence impacting your credit score.

 

[NikhilG]

If it were your 1st card thn it will reduce your credit age hence impacting your credit score.

It wasn't first card, was applied last year only and rarely used. I know they were reaching out to me to use it for some spends to keep it active but it skipped from my mind to do it.

 

[Akshay Ajmera]

Bro when I didn't use my card for about 6 months, they reduced my credit limit from 420000 to 10k.
After this I did a small transaction and they reversed my credit limit

 

[NikhilG]

Bro when I didn't use my card for about 6 months, they reduced my credit limit from 420000 to 10k.
After this I did a small transaction and they reversed my credit limit

It's not about credit limit now. Mine cc is gone. It was some Stan char ltf card. Don't remember which one. Plus there was some 100 rs overpaid. They also took that away 😁

 

[harsh_ujjwal]

It wasn't first card, was applied last year only and rarely used. I know they were reaching out to me to use it for some spends to keep it active but it skipped from my mind to do it.

No issue then. Your score will remain intact. But u will face difficulty in getting Stanchart cc.

 

[Akshay Ajmera]

It's not about credit limit now. Mine cc is gone. It was some Stan char ltf card. Don't remember which one. Plus there was some 100 rs overpaid. They also took that away 😁

Bro they need to return rs100, that's RBI guidelines.

In fact I closed my sbi cc somewhere in 2029, and there was an excess amount of around rs62.
Till date sbi message me to take that amount back, but I need to call on sbi number.
But whenever I call in that number it ask me to add sbi card number

 

[cardy]

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?

Have you reached customer care?
Talk to them
And also send a mail for reinstating the card.
No high hopes but 1 bar try karne mein kya hi jata hai

 

[NikhilG]

I can't recall what exact Stan char was it so I could see if it would be useful for me

 

[RAMESH BABU N]

.... I closed my sbi cc somewhere in 2029,.....

Too futuristic dear.....