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    How do I know if I'm out of the exclusion period to reapply for a credit card?

    Hi all, Relatively new to the CC churn game. Want to understand how to verify or safely reapply for a card I've closed 12 months ago. From when should I count those 12 months? In some cases, the bank has continued to issue statements (bizzarely) despite me requesting the CC closed months ago...
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