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Can You Reopen A Closed Credit Card Account
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Erika Sandberg is a credit and money management expert who began her career at Consumer Credit Counseling Services (CCCS). There he helped individuals and families with their…
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How To Reopen A Closed Credit Card Account Creditcards.com
I put my food truck in the garage but will start it up again. I thought it was over so I closed my Chase Ink card. Now I want to start the truck again. Should I go back to Chase and ask if they will return my card? There is a $750 bonus, so can I get it even if I already had the card? –
So you’re asking, “Can I reopen a closed credit card?” Unfortunately, the answer is not a simple yes. If the issuer has canceled your account because you have fallen behind on your payments or it has gone into default, this option is not available. There are other factors to consider, so here’s what you need to know.
Not all credit card issuers allow cardholders to reopen their closed credit card accounts, but Chase does. The general rule is that it can be reopened within 30 days of its closure. Even if that time frame has passed, it’s still worth a try.
Call the customer service number and explain that you want to return the account you previously had. Be prepared with account numbers and personal information such as name, social security number and address. (And a representative can pull it, but you better be prepared). You may need to allow solid credit to verify that you still qualify.
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An alternative is to apply for a new account with Chase. I’m not sure which card you’ve had before, but the welcome bonus you mentioned is currently available for two issuer credit cards: the Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card. Both are cashback cards and share a number of similarities, such as no annual fee and 0 per cent introductory APR on purchases for the first 12 months (13.49% to 19.49% change after that). d you must spend $7,500 within three months of opening the account.
The main difference between the two cards has to do with the rewards rate. The rate for the Ink Business Cash card is multi-tiered. Depending on what you buy, it’s 1%, 2% or 5% back. On the other hand, Ink Business Unlimited offers a flat 1.5 percent cash back on all purchases.
If you meet the requirements (everyone requires good to excellent credit) and you like the sound of a card you haven’t had before, you might want to apply for it. Remember Chase’s 5/24 Rule: If you’ve opened five or more personal credit cards from any issuer in the past 24 months, you’re likely to be declined regardless of your credit score.
I recommend exploring the wide world of business credit cards before deciding to reopen an old card or even stick with the same issuer. If your credit score is attractive and you have the funds to support a line of credit, there are many other issuers and credit cards available. Some of them may be more suitable for your needs. You don’t have to choose just one. Very often the right way is to alternate between several accounts.
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It sounds like you want a rewards credit card that comes with a welcome bonus. Some of them give you cash back, while others let you collect miles or points. The amount you have to spend over a period of time is usually higher if the bonus is bigger, so think about how you can cover it with the purchases you still have to make. You don’t want to be in a situation where you can’t meet the minimum payout and then lose that bonus. You also don’t want to spend too much to make the minimum and then not be able to pay off the debt quickly. Over time, the interest charged for carrying the debt will likely exceed the benefits of the expenditure.
Another important factor when buying a business card is flexibility. You may want a
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