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  1. #1
    Centurion Member
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    Smile Can you reopen a closed credit card without a hard pull?

    I used to have a Wells Fargo college student card, I closed it couple weeks ago.

    Today I went to a branch trying to ask if them if it can re-opened it. The lady was trying to tell me WF will look into my credit to do so but it won't hurt my credit score. She presented a new credit card application, I don't trust her.

    When she asked me to sign, I refused. I said I need time to think about it.

    Does anyone know If I want to reopen a closed credit card, can the bank re-issue another card without doing a hard pull of your credit report? (so it won't your your score)

    Thanks everyone

    PS : I'm not a native English speaker. Excuse me (mod response: I took care of it)
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  2. #2
    Centurion Member Calipso's Avatar
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    No.

    If you closed your account, you can't just re-open it.

    If you want it so bad you shouldn't have closed it. You'll have to reapp.
    My Limits:
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    /Southwest Primier: $3,000/Southwest Plus: $2,000
    Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
    AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
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    Current total limit: $124,500
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  3. #3
    Centurion Member MemberSince99's Avatar
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    She's either so ignorant about her own field it's scary, or lying. Neither one reflects well on her or WF.

    In any case, Calipso is right, they won't just re-open it, you'll have to apply again.

    Just out of curiousity, did you have regrets after closing it?
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    Actually AmEx will reopen an account within 90 days. When I received my PRG I called to cancel my Zync and was told I could reopen it within 90 days of closure if I wanted to.
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  5. #5
    Centurion Member MemberSince99's Avatar
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    With Amex, as always YMMV. I closed mine and tried to reopen a couple of weeks later and they flat out refused and all but told me to go to hell, and blacklisted me.

    There are few hard and fast rules that apply to everyone in this area that's for sure.
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    EQ: 777 April 2014
    EX: 779 April 2014
    TU08 (Barclay's) 798 April 2014 Statement
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    Amex Platinum NPSL (5/13 - backdated to 5/99)
    Chase Freedom Signature Visa 11.5k (1/14)
    Amex Everyday Preferred 6k (3/14 - backdated to 3/99)
    Amex Hilton HHonors Surpass 9.5k (7/14 - backdated to 7/99)

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  6. #6
    Centurion Member Calipso's Avatar
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    Quote Originally Posted by MB131174 View Post
    Actually AmEx will reopen an account within 90 days. When I received my PRG I called to cancel my Zync and was told I could reopen it within 90 days of closure if I wanted to.
    YMMV on anything said by AMEX. Each CSR has a different playbook.
    My Limits:
    NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
    Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/Chase Freedom: $4,500/
    /Southwest Primier: $3,000/Southwest Plus: $2,000
    Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
    AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
    Discover IT: $7,700
    Barclay's NFL Extra Points (Carolina Panthers): $5,000
    DCU Platinum: $3,000
    RTN FCU CC: $2,000
    CCCU Platinum Rewards Visa: $2,000

    Current total limit: $124,500
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