No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
what! really! what are your scores? how long have you had the card?
i was thinking of getting one, but maybe now i won't!
Hi! I work for Sears and I deal with Sears cards (Citibank) all day long. I have never heard of anyone getting their card terminated because their credit score decreased. If this were the case, my card should have been closed a long time ago because my EQ FICO is currently 567. I am not shown any favoritism as a Sears employee because our cards are issued by Citibank. If you have a 0 balance and no activity on the card for a year, your card can be closed. Could that be the reason your card was closed? If this is the case, you can reapply for the card with a soft pull because you are still in the system. At any rate, I'm sorry this happened to you.
Is it possible to re-apply online with a soft pull, or do I have to call a live person to get a soft pull only?
@Anonymous wrote:Is it possible to re-apply online with a soft pull, or do I have to call a live person to get a soft pull only?
If you apply online, you can bet it will be a hard pull. Call a CSR if you need to see about re-opening one and if they can do so with a soft pull.
analyte
I believe if you apply online it is a hard pull. Your best bet is to go into Sears and apply in person. The soft pull will only apply if you had an open account with them before.
MojaveMoon
I saw your post but I have to run but I will let you know as soon as i get back