Can you reopen a credit card that has been closed?
Jackson Reed
Updated on January 29, 2026
How to reopen a closed credit card account. Not all credit card issuers will allow cardholders to reopen credit card accounts that they closed, but Chase does. The general rule is that it can be reopened within 30 days of when you closed it. Even if that timeframe has passed, it’s still worth a try.
Can I reopen a closed credit card chase?
Chase has a policy that allows you to reopen a credit card within 30 days after closing the account, though some reports online indicate that people have had success even outside of that time frame.
Why did my credit card get closed?
If you don’t use a credit card for a year or more, the issuer may decide to close the account. In fact, inactivity is one of the most common reasons for account cancellations. When your account is idle, the card issuer makes no money from transaction fees paid by merchants or from interest if you carry a balance.
How do I fix a closed credit card account?
- Figure out why the account was closed.
- Figure out why the account was closed.
- Gather the relevant documentation.
- Gather the relevant documentation.
- Call the issuer’s customer service line.
- Call the issuer’s customer service line.
- Ask for the account to be reopened.
- Ask for the account to be reopened.
Should I pay a credit card that is closed?
Paying a closed or charged off account will not typically result in immediate improvement to your credit scores, but can help improve your scores over time.
What happens if Chase closes your account?
When a non-satisfactory relationship occurs, all of your cards and accounts are closed. Chase will typically mail you a check for the balance in your account. After this happens, some people may be able to reopen accounts after a few years.
Is it bad if a credit card company closes your account?
Having a card account closed by the issuer can hurt your credit scores. Use your cards regularly to avoid it. If you don’t use a credit card for a year or more, the issuer may decide to close the account.
Why is my credit card account closed?
Why Credit Card Issuers Close Accounts When credit card accounts go inactive for long periods of time, the issuer may decide to close the account. Issuers can only extend so much credit overall, and even if you’re not using your credit card, the issuer has to keep that credit available in case you suddenly need it.
Is it possible to reopen a closed credit card account?
It may be possible to reopen a closed credit card account, depending on the credit card issuer, as well as why and how long ago your account was closed. But there’s no guarantee that the credit card issuer will reopen your account. For example, Discover says it won’t reopen closed accounts at all.
Which is better closed or open credit cards?
Generally, open credit card accounts look better on your credit report than closed accounts because open accounts add to your credit history. It’s good for your credit score to have a long credit history. If you made the mistake of closing credit cards like I did and want to reopen the credit card,…
Can a credit card issuer open a new account?
However, the credit card issuer may open a new account instead of reopening your old account. So be sure to ask beforehand whether your account will show up as a “new account” on your credit report or if the old account’s status will change to “open.”
How long does a closed credit card account stay on your credit report?
How long a closed account stays on your credit reports depends on whether your account was delinquent when it was closed. A charge-off will show on your reports for seven years from when the account went delinquent, or when you started missing payments.
