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Will GE backdate if I "re-open" an account closed for inactivity?

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LionLaw
Frequent Contributor

Will GE backdate if I "re-open" an account closed for inactivity?

I had a Brooks Brothers store card issued by GECRB a while back (opened in 2006).  I hadn't used it in a few years, and when I started monitoring my credit more closely last spring, I noticed on my CR that the account was closed for inactivity.

 

I'd like to re-open the account, but only if I can do so without taking a hit to AAoA.  Does anyone have any experience re-opening GE accounts?  Will they backdate?

Message 1 of 9
8 REPLIES 8
LS2982
Mega Contributor

Re: Will GE backdate if I "re-open" an account closed for inactivity?

AFAIK GE will not reopen accounts, at least I've never heard of it. You would have to reapply.



EQ FICO 548 3/3/16
Message 2 of 9
migliogiorni
Established Contributor

Re: Will GE backdate if I "re-open" an account closed for inactivity?

Can't re-open CC Accounts.

 

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Message 3 of 9
Creditaddict
Legendary Contributor

Re: Will GE backdate if I "re-open" an account closed for inactivity?

Nope on GE.

Message 4 of 9
LionLaw
Frequent Contributor

Re: Will GE backdate if I "re-open" an account closed for inactivity?

Bummer.  Oh well, GE's loss.

Message 5 of 9
Anonymous
Not applicable

Re: Will GE backdate if I "re-open" an account closed for inactivity?

GE is following standard procedure in the credit card industry.

 

I know of no creditors that will re-open an account which was closed several years ago. As for backdating, the only creditor who does that is American Express.

 

Live and learn.

Message 6 of 9
LS2982
Mega Contributor

Re: Will GE backdate if I "re-open" an account closed for inactivity?

@Lionlaw shouldn't be a issue at all applying and getting the account back. Is it not worth the HP?



EQ FICO 548 3/3/16
Message 7 of 9
LionLaw
Frequent Contributor

Re: Will GE backdate if I "re-open" an account closed for inactivity?


@LS2982 wrote:
@LionLaw shouldn't be a issue at all applying and getting the account back. Is it not worth the HP?

I knew I'd be taking a hard pull either way, and I wasn't particularly worried about getting approved; I was just hoping I could get a new active TL (and get 4% back on my impending large purchase from Brooks Brothers) without taking a hit to AAoA. 

 

Message 8 of 9
LS2982
Mega Contributor

Re: Will GE backdate if I "re-open" an account closed for inactivity?


@LionLaw wrote:

@LS2982 wrote:
@LionLaw shouldn't be a issue at all applying and getting the account back. Is it not worth the HP?

I knew I'd be taking a hard pull either way, and I wasn't particularly worried about getting approved; I was just hoping I could get a new active TL (and get 4% back on my impending large purchase from Brooks Brothers) without taking a hit to AAoA. 

 


Gotcha!

 

Do you have any AMEX accounts?

 




EQ FICO 548 3/3/16
Message 9 of 9
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