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How Screwed Am I?

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Anonymous
Not applicable

How Screwed Am I?

I recently asked New York and Co for a replacement card as I accidently threw mine away. They sent me a message back saying they closed the account, opened a new one and are sending me a card. How will thie affect my credit? This was my oldest account, 2008-2009 range. This is a big deal as Im working on a mortage. My next oldest acoount was in the 2013 range. 

 

Is there anything I can do if this will drastically hurt me?

Message 1 of 6
5 REPLIES 5
Mantis350
Regular Contributor

Re: How Screwed Am I?

The account should still stay on your credit file for 10 years.  Were you using this card to pad UTIL?  Are you SURE they closed the account and didn't just change the card number?

PenFed Rewards Visa Sig-$14,000 | BofA Plat Visa-$12,500 | Discover IT-$11,000 | NASA-$7,500 | WF Cash Rewards Visa-$6,800 | BofA Cash Rewards Visa Sig-$6,500 | Barclay Rewards MC-$6,000 | Cap1 QS Visa Sig-$5,750 | Citi DC-$5,500 | Cap1 Venture 1-$4,500 | Cap1 QS-$3,400 | Chase Freedom-$3,400 | AMEX BCE-$2,000 | Lowes-$15,000 | Home Depot-$5,000
|Current Score(2/19/2016)|| 709 EQ || 734 TU || 729 EXP ||
Message 2 of 6
Anonymous
Not applicable

Re: How Screwed Am I?

I had not used it for quite some time, 2+ years.

 

"Thank you for your recent inquiry to our Customer Care Department.
Comenity Bank issues your account and responds to all credit related
inquiries.

We have received your request to report your New York & Company credit
account as lost. We have closed your New York & Company credit card
account and established a new credit card account for you. We have
requested that a new credit card be issued. Please allow 7-10 business
days for delivery.

We hope this information is helpful. For the security of your account
information, we ask if there are any follow up questions you have
related to this concern, please click on the reply button."

Message 3 of 6
OmarGB9
Community Leader
Super Contributor

Re: How Screwed Am I?

Sounds more like they changed the account number, but they didn't close the actual account.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 6
noobody
Established Contributor

Re: How Screwed Am I?

nothing to worry about, just a routine replacement.
EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841
Message 5 of 6
Kenny
Moderator Emeritus

Re: How Screwed Am I?

And if they report a new one, they should report the same opening date, but not sure guess it depends on the lender. I remember Sam's closed my card and opened a new one when I reported my card lost. (They didn't backdate to first open date, if I remember correctly.)

Message 6 of 6
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