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First, just ask. But, you will probably have to complete a new application so that a new credit bureau report can be pulled.

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โˆ™ 2005-10-09 19:29:07
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Q: How can you reopen a credit card account that you closed?
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How can you make the credit card company reopen an account and remove 'closed by credit grantor' from your credit report?

You can't MAKE a credit card company reopen an account. You can call the credit bureau and request that they change the status to indicate that is was closed by you and not the credit grantor. Or, you can simply put a notation in your credit report stating that the account was closed by you and not the card company.


Can you reopen a credit card that you closed?

Yes, you can request your issuing credit card company or bank to reopen your credit card that you closed. I did that with one of my credit cards. However, make sure that you had a good record on that particular closed account and that you check if all the balances have been paid before you closed the account in order not to ruin your credit history.


Can you re-open a credit card once closed?

Credit card companies will not reopen a credit card account once it has been closed. The company will issue a new credit card and new account if it wishes to do business with the person.


Can you reopen a credit card that was closed by the issuer?

No. The reason a credit issuer closes an account is because they no longer consider you an acceptable risk.


Can a credit card company reopen a charged off account?

No, a credit card company will not reopen a charged off account. They may choose to grant you a new line of credit, but this would be rare.


How long do you have to wait after closing a credit card account before you can reopen it again with the 0 percent apr introductory rates?

That is at the discretion of the issuing financial institution. They may not grant a previous card holder who has closed the account special offers.


When you close an amazon account does your credit card info get closed aswell or dods the company keep all of this info?

When your Amazon account is closed, the credit card info that is associated with the account will not be kept by the company and will be deleted also.


Can a credit card company report a 30 day late on a closed account that still has a balance?

If a credit card is closed it cannot have a balance. Just because you have stopped using the ard you cannot declare the account closed. If you owe even one penny, the account is open and the credit card company can 'report a 30 day late'


How long does it take for credit card accounts to be closed if they have not been paid?

If a credit card account has an outstanding balance that is defaulted on, the account will not be closed. The account will be charged to profit and loss, or sent/sold/assigned to collections, either internal or external.


Should you re-open a previously closed credit card account?

No. If the account has been closed, you would need to re-apply if you wanted an account.


If get a new credit card because of fraud will that effect credit?

Unfortunately, it will reduce your credit score. What happens is that the original credit card account shows as closed, and you have a newly issued credit card account with a new number through the same credit card issuer. It will take at least 2 years before the newer credit card account is seen as a seasoned trade line.


Credit card closed by issuer affect credit score?

Yes. Creditors report to the credit reporting agencies the terms under which an account is closed. It looks bad and is a slightly more derogatory status when an account is closed by the lender vs. closed by the customer.


Does it hurt your credit if a credit card company closes your acouunt because you aren't using the credit card?

No. It will show on a credit report as an account closed due to inactivity. It has no effect on your credit score.


Can you transfer a balance on a closed credit account?

No, However it may be possible to pay off your debt with a credit card.


How can you stop the interest rate on a credit card debt if the account is closed?

Pay it off.


What happens to credit card upon death in regards to the heirs?

The credit card should be returned to the credit card company or destroyed and the company should be notified immediately of the death so the account can be closed.


What point can you request a settlement on credit card debt?

Settlement usually occurs when the account is past due and has been closed. You can either try to settle with the credit card company, or the debt collector that the credit company sold the account to.


Can you reopen a written off credit card?

no you cannot! sorry


Can paying off a credit card damage your credit score?

No, only if the account is a paid closed account. What affects your score is utilization of your credit limit, which should only be about 25 to 35%.


Can a credit card company keep adding interest on a closed account?

Yes, until the account balance is paid in full.


Can a credit card continue to allow automatic charges on your account after you ask to have the account closed?

Not if you ask them to close it in writing and you have NO balance.


How does a credit card account differ from a checking account?

A credit card account comes with a credit card, which can be used to authorize purchases of any value. The checking account does not come with a credit card and is used for issuing checks.


Will a credit card company accept a lower payoff for a balance if the account is not past due but closed?

No


How long does a paid credit card account that has been closed stay on your credit report?

Forever, since it looks good on your report.


What does Closed-Credit Grantor mean on a credit report?

It means that the account was closed by the company that granted the loan or credit. An example would be Chase closing a customers credit card (with or without a balance) due to inactivity, poor account performance, or due to a decline in the customers financial health.

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