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FNB card closed-chance of reopening?

Established Member

FNB card closed-chance of reopening?

My FNB of Omaha was openend in Feb. 1995.  My account was canceled two months ago because over-limit balanaces.  I now have it back under control and will be paying it down.  Do you think there is a chance they will re-open my account at some point?  Thanks...
Message 1 of 4
Senior Contributor

Re: FNB card closed-chance of reopening?

Don't wait for them now.  You never know.


How long were you over the limit?  If it was for something like 6+ mos, they're likely to decline.  If it was only 1 or 2, you might have a chance.

Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 12/2017 TU 779 - EQ 779 - EX 782
Goal Score: 850

Bury me in the garden...last app 07.27.17

Message 2 of 4
Established Member

Re: FNB card closed-chance of reopening?

I was over the limit 5 months in a row...this is the first month I will not be over....think I should call?  If my account is closed, the credit line is still figured in my debt util., correct?

Also, will they need to pull my CR to re-instate my account?

Message Edited by rlsrlj on 11-18-2009 09:31 AM
Message 3 of 4
Established Contributor

Re: FNB card closed-chance of reopening?

I would give them a call; can't hurt. Yes, closed accounts factor into your utilization if it has a balance on it. It will continue to factor in until the balance is $0 and then will be removed from the factoring. You shouldn't get a hard pull; most companies allow 3 months after you close to come back, so in this case you probably have the same leeway. On the other hand, they may ask you to reapply (hard pull).

Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU

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Message 4 of 4