topic Re: Jcpenny card re-opening in Credit Cards

Jcpenny card re-opening

Anonymous — Wed, 14 Dec 2016 15:44:09 GMT

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

Re: Jcpenny card re-opening

Creditaddict — Wed, 14 Dec 2016 17:17:18 GMT

@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

Hard pull

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

Re: Jcpenny card re-opening

Anonymous — Wed, 14 Dec 2016 17:34:41 GMT

@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

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.

Re: Jcpenny card re-opening

dragontears — Wed, 14 Dec 2016 18:24:27 GMT

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

Re: Jcpenny card re-opening

Anonymous — Wed, 14 Dec 2016 19:48:23 GMT

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

Re: Jcpenny card re-opening

Anonymous — Wed, 14 Dec 2016 20:15:03 GMT

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

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.