Amex - reapplying after paying off a closed card?

[SusieQ]

My hubby had a card for about 12 years.   Last year during an account review, they closed it with a large balance which he continued to pay faithfully.   He finally made his last payment this month and now has a zero balance.

His scores are back in the 760 range.   Can he reapply?     Will they backdate his membership to 2002?

[BarryNTexas]

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@SusieQ wrote:

My hubby had a card for about 12 years.   Last year during an account review, they closed it with a large balance which he continued to pay faithfully.   He finally made his last payment this month and now has a zero balance.

His scores are back in the 760 range.   Can he reapply?     Will they backdate his membership to 2002?

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I had AMEX close my account that I had for many years last November due to score drop.  I did fix most of the issues that caused my score to drop and reapplied and was approved.  Also was approved for a second card as well.  As long as he now has his house in order I would think he could reapply.

BTW - AMEX backdated my two cards to 1983 when I first had a Green charge card in college.

Good Luck!

[SusieQ]

Thanks for the advice.    He is going to apply after the billing cycle closes and his balance on statement is 0.

[coldnmn]

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@SusieQ wrote:

Thanks for the advice.    He is going to apply after the billing cycle closes and his balance on statement is 0.

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1% to 9% on one card is much better score wise then 0% on all cards.

[SusieQ]

i didn't mean 0 utilization, I meant final payment on closed amex account reflecting a 0 balance.

[Creditaddict]

I think he is good to apply now.

[Anonymous]

Yeah he should have a good shot now

[SusieQ]

Update ......  Yeah, he got his Amex back today!

Hopefully, it will have his original membership date.   Will let you know.