Can I reopen my account???

[icyhot]

i closed my CareCredit card with a 6500 limit because I figured I could just save money an pay for the procedure I want outright but my mom is really upset because I told her she could use it for her tummy tuck. I tried to reapply and denied. I initially opened it on Mar 2. Is there any way I could get them to reopen???

[Anonymous]

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@icyhot wrote:
i closed my CareCredit card with a 6500 limit because I figured I could just save money an pay for the procedure I want outright but my mom is really upset because I told her she could use it for her tummy tuck. I tried to reapply and denied. I initially opened it on Mar 2. Is there any way I could get them to reopen???

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Very unlikely. Call and ask but be prepared for a no.

[Anonymous]

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@icyhot wrote:
i closed my CareCredit card with a 6500 limit because I figured I could just save money an pay for the procedure I want outright but my mom is really upset because I told her she could use it for her tummy tuck. I tried to reapply and denied. I initially opened it on Mar 2. Is there any way I could get them to reopen???

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Can't she apply herself?

[icyhot]

No she has a terrible credit file. Scores are in the 400s

[Anonymous]

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@icyhot wrote:
No she has a terrible credit file. Scores are in the 400s

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Oh, Ouch.

Co-application?

[icyhot]

I think with Synchrony I can't get approved for another card with them if I've had a denial in 3 months, and I was denied for the Walmart an BR card. So it's probably a no go

[Anonymous]

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@icyhot wrote:
No she has a terrible credit file. Scores are in the 400s

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I don't mean to sound rude or anything but why would you let her use your card when she is that irresponsible with money?

[Anonymous]

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@Anonymous wrote:

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@icyhot wrote:
No she has a terrible credit file. Scores are in the 400s

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I don't mean to sound rude or anything but why would you let her use your card when she is that irresponsible with money?

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I wouldn't be so quick to pass judgement there.

400's scores could be caused by medical catastrophe.

[icyhot]

Yeah.....she's not terrible with money I have her as an AU on my Macy's card and she makes payments every month. She had a foreclosure some years back and also some delinquent student loans. She doesn't have any credit cards

[Anonymous]

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@icyhot wrote:
Yeah.....she's not terrible with money I have her as an AU on my Macy's card and she makes payments every month. She had a foreclosure some years back and also some delinquent student loans. She doesn't have any credit cards

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I didn't mean to sound like I was judging sorry. If you trust her with your money then that's great and maybe you can help her get back on her feet. 

As for the closed account you are likely out of luck. If you give us a little info about your credit maybe we can help you find a card to get?