repoening closed credit card account

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craigm1
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repoening closed credit card account

Postby craigm1 » Thu Feb 24, 2011 1:05 pm

I have a citibank credit card I closed in October of 08 have finally almost paid it off and wondering if there was a way I could have them reopen the account, has anybody done this in the past. it has a low interest rate and generous credit limit

craig m
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
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sdfinch
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Postby sdfinch » Thu Feb 24, 2011 3:49 pm

Generally the answer is "no" from closed accounts. If you personally closed the account there might be a chance. If the bank did it, most likely not. Just call customer service to check if that is avaialable. Maybe ask for a supervisor and skip the CSR.

craigm1
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Postby craigm1 » Thu Feb 24, 2011 7:36 pm

I closed it when they wanted to raise the interest rate it's currently 7.99 with a 10,100 limit I have been paying it down getting ready to pay it off and have been getting pre approved offers from citi just thought it would be better to keep the existing account.

craig m
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

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Mogul of Pineapples
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Postby Mogul of Pineapples » Thu Feb 24, 2011 7:47 pm

I haven't heard of being able to re-open a closed credit card account but that doesn't mean it's not possible. If you ask my hunch will be a solicitation to apply for another Citi credit card. But I know why you would want the original account re-opened with its long account history.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
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Elliot Castro
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Postby Elliot Castro » Fri Feb 25, 2011 5:19 am

I'm guessing the answer will be no. However, it is THEORETICALLY possible you may get lucky here so give it a shot.

Don't forget to tell us what response they gave you.

craigm1
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Postby craigm1 » Fri Feb 25, 2011 8:39 am

on a side note how do you add at the bottom of each email what credit cards you have?
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

jeffysdad
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Postby jeffysdad » Sat Feb 26, 2011 8:07 am

I don't think you'll be reopening the closed account. But if you're in good standing, there should be no problem opening a new account. Look online for a promotion or special offer that you might take advantage of before you just jump in with a new application with a rep on the phone.

RE: side note -- Click on "settings" at top of page, then look on left and click on "signature."
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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Blue Moon
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Postby Blue Moon » Sun Feb 27, 2011 6:00 am

jeffysdad wrote:I don't think you'll be reopening the closed account. But if you're in good standing, there should be no problem opening a new account. Look online for a promotion or special offer that you might take advantage of before you just jump in with a new application with a rep on the phone.

[color="Red"]RE: side note -- Click on "settings" at top of page, then look on left and click on "signature."
[/color]

I'm not sure where to ask, but I'm new to the forum also and saw craigm1's question. I don't see the "signature" selection in the "Settings" area, nor do I see how to add an avatar. Regarding the avatar, there is a selection, "Edit Avatar," but it won't let you add one. Am I missing something or are these options no longer available? BTW, I happened onto this forum two days ago, and I think it's great!

admin
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Postby admin » Sun Feb 27, 2011 3:09 pm

Blue Moon,

I have sent a PM to your message center with instructions.

Thanks

craigm1
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Postby craigm1 » Fri Mar 11, 2011 10:23 am

status update spoke with a low level employee at universal card and they said they couldn't reopen the account, got a supervisor on the phone and said because it was done before the credit card act took effect there is a possibility had her check my account no late payments since inception 2003 just paid the card off today spoke to them yesterday they said it would take a few days, they told me they would contact me if they need to pull my credit report up for permission, will keep posted hope based on the length of time account was opened and the payment history they re open the account

craig
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14



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