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My bank closed my credit cards. How do I apply for new credit cards without it affecting my score?
I've recently been told by two separate banks that they are closing my credit card accounts due to inactivity. Both of these have had zero balances for quite some time but the accounts themselves are at least 10 years old each. How can I apply for new credit cards without it affecting my score? This doesn't seem fair to me.
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flamingo12
1 year ago
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Banks have been trimming their accounts and tightening credit access in the past few months much to the chagrin of cardholders like yourself, and now you find yourself in need of fresh credit. Unfortunately, you can't avoid a hit to your credit score while applying for a new credit card. Issuers do a hard credit pull whenever you apply for a credit card, which will have a small negative impact on your credit score. While you can't avoid the impact on your credit score, excessive hard inquiries due to applying to many credit cards over a period of time will hurt your credit score even more and reflects badly to potential lenders. Protect yourself as much as possible by shopping around and applying selectively to just a few choice credit cards that are right for you.
ryan 1 year ago
If you have cards somewhere else, you could call and ask to speak to a supervisor, and ask them if they have a procedure where they will evaluate only your accounts with them and a soft credit pull for a new account. Likely it will not work, but if you have a good relationship with them, they might do it.
browno 1 year ago