Jcpenny card re-opening

[Anonymous]

Hello everyone

I closed my jcpenny card years ago. Want to reopen. Should I apply online or in stores? Will it effect my score? Is it going to be a hard pill or soft? Thank you

[Creditaddict]

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@Anonymous wrote:
Hello everyone

I closed my jcpenny card years ago. Want to reopen. Should I apply online or in stores? Will it effect my score? Is it going to be a hard pill or soft? Thank you

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Hard pull

In store sometimes better with some of these sync store cards.

[Anonymous]

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@Anonymous wrote:
Hello everyone

I closed my jcpenny card years ago. Want to reopen. Should I apply online or in stores? Will it effect my score? Is it going to be a hard pill or soft? Thank you

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You can apply with either option.  If approved, you can always request more from Credit Solutions.  You didn't say what your current FICO scores are.  The change in score is dependent on whether you have a thick file or thin file.  It will be a HP most likely to TU as Synchrony Bank generally pulls TU. 

[dragontears]

Just to be clear, they are not going to "reopen" your old account, you will be applying for a new account

[Anonymous]

Thank you ☺️. And how long after opening the card do you guys suggest I should request a credit line increase?

[Anonymous]

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@dragontears wrote:
Just to be clear, they are not going to "reopen" your old account, you will be applying for a new account

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This.  I have a 20 year old JCPenney account, my oldest account on my reports. It had a zero balance. I forgot about it, and it was closed.  I've begged, but there is absolutely no way to reopen the old account.  It will fall off soon.