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Regular Contributor
Posts: 197
Registered: ‎07-26-2012
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Does closing card remove inquiry?

 

I was thinking about closing one of my cards and was wondering if it would remove the two inquiries that I got on my CR (one at the time of applying the card a year ago and one at a CLI request)? This local bank started me off with $500 and after a year of maintaining the card, gave me just a $500 CLI and that too after a hard pull. I'm pissed off with this bank and wanted to close the card.

 

My second question: Even after closing the card, it accounts for in the length of credit history and AAoA for 10 years, correct?

Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
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Senior Contributor
Posts: 26,761
Registered: ‎02-07-2013
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Re: Does closing card remove inquiry?

[ Edited ]

cowboyguy wrote:

 

I was thinking about closing one of my cards and was wondering if it would remove the two inquiries that I got on my CR (one at the time of applying the card a year ago and one at a CLI request)? This local bank started me off with $500 and after a year of maintaining the card, gave me just a $500 CLI and that too after a hard pull. I'm pissed off with this bank and wanted to close the card.

 

My second question: Even after closing the card, it accounts for in the length of credit history and AAoA for 10 years, correct?


No  Lol on 1st question yes to 2nd



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Established Contributor
Posts: 802
Registered: ‎05-16-2012
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Re: Does closing card remove inquiry?

I was thinking about closing one of my cards and was wondering if it would remove the two inquiries that I got on my CR (one at the time of applying the card a year ago and one at a CLI request)? This local bank started me off with $500 and after a year of maintaining the card, gave me just a $500 CLI and that too after a hard pull. I'm pissed off with this bank and wanted to close the card.

 

I wish!!!

 

My second question: Even after closing the card, it accounts for in the length of credit history and AAoA for 10 years, correct?

 

Yes

100% Ficos: EX 773 , TU 772, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014
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Established Member
Posts: 32
Registered: ‎02-21-2013
0

Re: Does closing card remove inquiry?

i wish closing card and getting declind remove inquiry but obv it doesnt LOL

and yes aaoa will stay for 10 years even ur account is closed

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Posts: 3,355
Registered: ‎10-19-2012
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Re: Does closing card remove inquiry?


waihao0405 wrote:

 

and yes aaoa will stay for 10 years even ur account is closed


There is no guarantee on that.  :robotwink:

 

Regular Contributor
Posts: 240
Registered: ‎02-03-2013
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Re: Does closing card remove inquiry?

I would hate to get a measly $500 after a HP. I don't blame you wanting to stop doing business with them altogether. Any baddies? Good score? Is their a manager or higher up you might be able to appeal to? 

 

 

 

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