Guide: How to Check When You Last Cancelled Your Credit Card
Forgot when you last cancelled your credit cards with a bank? Since many banks offer new cardholder gifts once you have not held a card with them for a certain period of time (usually 12 months), knowing your last cancellation date can help you determine when you may qualify again for sign-up rewards.
Here are a few ways to check your cardholder status and find out when you last cancelled your credit cards.
Call the bank
The bank should have your record, so calling them should work. Here are the hotline numbers for each bank/card issuer:
| Bank / Card Issuer | Hotline |
|---|---|
| American Express | 1800 235 6755 |
| CIMB | 6333 7777 |
| Citibank | 6225 5225 |
| DBS / POSB | 1800 111 1111 |
| DCS | 6571 0128 |
| HSBC | 1800 4722 669 |
| Maybank | 1800 629 2265 |
| OCBC | 1800 363 3333 |
| Standard Chartered | 6747 7000 |
| UOB | 1800 222 2121 |
Check email or SMSes
You can also check your email or SMSes for notifications sent by the bank for account closures. As far as I can tell, only DBS seems to send such emails.
Search for emails with the subject “Your card is cancelled successfully”, If you’re using Gmail, you can search “from:dbs.com + cancelled”.
Check your credit report
One of the best ways to check when you last cancelled your card would be to look at your Credit Bureau credit report.
The first table after your personal details should show you a list of loan facilities you have taken out including credit cards:
You should be able to see the date of account opening for each card. If you have cancelled the card, you should see a second date for when it was closed. As you can see above, I cancelled two OCBC cards on 21st May 2019 and 2nd August 2019. Assuming these are the only two cards I have with the bank, I would have been a new cardholder again on August 2020 (according to OCBC’s definition of a new cardholder).
A credit report costs S$8 and you can access it here. If you have signed up for a credit card in the past 30 days, however, the report is free.
Keep your own notes
It is a good habit to keep your own notes when you cancel all your existing cards with a bank. I suggest setting a reminder on your phone so that you are notified the next time you are a cardholder again.
When are you a new cardholder again?
Each bank has its own waiting period before you are considered a new cardholder again. This is typically 12 months, although some banks have shorter waiting periods of 6 to 9 months. A few banks, however, only award sign-up gifts once, regardless of how long ago you cancelled your cards (marked as “Not Applicable” below).
| Bank / Card Issuer | Waiting Period |
|---|---|
| American Express | 12 months |
| CIMB | 12 months |
| Citibank | 12 months |
| DBS / POSB | 12 months |
| DCS | 9 months |
| GXS | Not Applicable |
| HSBC | 12 months |
| MariBank | Not Applicable |
| Maybank | 9 months |
| OCBC | 12 months |
| Standard Chartered | 12 months |
| Trust Bank | Not Applicable |
| UOB | 6 months |
How long until I can cancel my existing cards?
If you want to know when you can cancel your current cards with a bank, refer to the following article:
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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