Can you reopen a closed credit card without a hard pull?

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tanyasf
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Can you reopen a closed credit card without a hard pull?

Postby tanyasf » Mon Mar 18, 2013 8:36 pm

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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Calipso
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Postby Calipso » Tue Mar 19, 2013 6:33 pm

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:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
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: $129,500

MemberSince99
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Postby MemberSince99 » Tue Mar 19, 2013 8:19 pm

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?


MB131174
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Postby MB131174 » Tue Mar 19, 2013 9:25 pm

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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MemberSince99
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Postby MemberSince99 » Wed Mar 20, 2013 8:50 pm

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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Calipso
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Postby Calipso » Thu Mar 21, 2013 3:50 pm

MB131174 wrote: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 Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
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: $129,500



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