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can you re-open a closed CC account??

Member

can you re-open a closed CC account??

6 years ago i applied for an amex cc and was approved for 1000.

I was 17 at the time and was scared of racking up debt at a young age.. so i called amex and asked them to close it

it still shows on my CR as a closed account "per customers request"

 

Is it possible to call amex and ask them to reopen the account? or do i just need to reapply for a new cc through them..

 

MY CR has changed since i was 17 however, and i do have a negative report on my CR now..

 

Message 1 of 7
6 REPLIES
Established Contributor

Re: can you re-open a closed CC account??

It's been a while, but I wasn't aware anyone would give you credit at 17..anyway, I would probably call them and mention the account to see if they can just start where you left off, I've heard of that happening before. They WILL pull your credit again though to make sure your situation hasn't changed since they approved the first one.



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Message 2 of 7
New Visitor

Re: can you re-open a closed CC account??


venmichaels wrote:

6 years ago i applied for an amex cc and was approved for 1000.

I was 17 at the time and was scared of racking up debt at a young age.. so i called amex and asked them to close it

it still shows on my CR as a closed account "per customers request"

 

Is it possible to call amex and ask them to reopen the account? or do i just need to reapply for a new cc through them..

 

MY CR has changed since i was 17 however, and i do have a negative report on my CR now..

 


Not sure how this would work, since you probably lied when applying since you can not get your own card until your 18 years old. Well good news is if you get approved because of American Express backdating there's no real point in "reopening" an account. You should have had your member start date locked in.

Message 3 of 7
Valued Member

Re: can you re-open a closed CC account??

I think you can get credit cards depends on the state you live in. Like Illinois where I'm from you're an adult at 17.


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Message 4 of 7
Established Contributor

Re: can you re-open a closed CC account??


JayDilla wrote:

I think you can get credit cards depends on the state you live in. Like Illinois where I'm from you're an adult at 17.


 

I live in Chicago and the age of majority in IL is 18. Not sure where you got 17.

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Message 5 of 7
Valued Contributor

Re: can you re-open a closed CC account??

They probably pull your Credit report again and the baddie maybe one of the reason they base on.....But you would def going to get a BACKDATE love from Amex if approved.


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Message 6 of 7
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Regular Contributor

Re: can you re-open a closed CC account??

Don't bother to reopen the account. Just wait till the January and apply for new account, it will be backdated to 6 years ago

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