Reapplying for Closed/cancelled credit cards...a good idea??

Danny_G

I had some credit cards which they closed 1 year ago, due to me Not using them/ or not having any activity on them...so they canceled them.

If i reapply for them via New applications, is this a good thing to do? (i used them in the past- 2 years ago, and I used the cards well, with No missed payments or No late payments.)

but am asking if I apply for this credit card again (1 year after being declined) and using the fact i had this card as a referrene, to the applicant on the phone, that I already used to have them cards, and used them well....... would this be seen as a good thing?

a) would this be a bonus to a new application for the same card? or have no affect?

b) or would it be better to apply for a card from a brand new company all together?


c) How negative an affect on your credit file does it have, when the company closes your credit card?

Danny_G

anybody? any advice would be appreciate, please

chanz4

it wont really have much effect, when they credit check you it should flag that you had a card before. but you could use it if declined to appeal