topic Re: can I re-open closed credit card? in Credit Cards

can I re-open closed credit card?

jre — Sun, 07 Dec 2014 04:03:14 GMT

Recently closed Synchrony Bank issued credit card (formally GE). Can I have it re-opened? Who can I call?

Re: can I re-open closed credit card?

Anonymous — Sun, 07 Dec 2014 04:18:19 GMT

@jre wrote:
Recently closed Synchrony Bank issued credit card (formally GE). Can I have it re-opened? Who can I call?

Not sure of this. You may just have to reapply.

Out of curiosity though, What card was this and why do you now regret closing it?

Re: can I re-open closed credit card?

Luscher — Sun, 07 Dec 2014 04:20:52 GMT

Most likely no, you would have to reapply

Re: can I re-open closed credit card?

jre — Sun, 07 Dec 2014 04:27:05 GMT

Thanks for the support. I don't want to re-apply because I have 22 inquiries and my utilization is high. It was a wal-mart card and I closed it without really thinking about how it would affect me.

Re: can I re-open closed credit card?

Anonymous — Sun, 07 Dec 2014 04:28:58 GMT

@jre wrote:
Thanks for the support. I don't want to re-apply because I have 22 inquiries and my utilization is high. It was a wal-mart card and I closed it without really thinking about how it would affect me.

Yikes. 22 TU inquiries?

What the heck all did you apply for to get that many?

Re: can I re-open closed credit card?

jre — Sun, 07 Dec 2014 04:33:59 GMT

22 in the last 2 years. Maybe 1 in the last 9 months. Wasn't very smart when I went on a couple of sprees thinking I would be improving my credit. They should fall off in another year thankfully.

Re: can I re-open closed credit card?

Anonymous — Sun, 07 Dec 2014 04:37:59 GMT

@jre wrote:
22 in the last 2 years. Maybe 1 in the last 9 months. Wasn't very smart when I went on a couple of sprees thinking I would be improving my credit. They should fall off in another year thankfully.

All I can say on this post is....It doesn't have to take that long.

I understand though.

Re: can I re-open closed credit card?

Anonymous — Sun, 07 Dec 2014 06:00:08 GMT

@jre wrote:
Recently closed Synchrony Bank issued credit card (formally GE). Can I have it re-opened? Who can I call?

Synchrony will not re-open a closed card in my experience. Tried a few different times in August with my Toys R Us card.

Re: can I re-open closed credit card?

Anonymous — Sun, 07 Dec 2014 08:56:52 GMT

I've reopened an account I closed the next day with chase... So although everyone including lenders say it's impossible, it is very much possible and yes you can. You just have to fight for if

Re: can I re-open closed credit card?

Anonymous — Sun, 07 Dec 2014 13:32:15 GMT

@Anonymous wrote:
I've reopened an account I closed the next day with chase... So although everyone including lenders say it's impossible, it is very much possible and yes you can. You just have to fight for if

OP was refering to a Sync card and Synch does not do that. Other lenders have and will re-open.