How do I reopen a closed credit card?

Reopening a closed account is a fairly straightforward process. Not every credit card issuer allows it, but if it does, it will typically require you to make the request within 30 days of the closure. Simply call the credit card issuer and ask if they’ll reopen your card.

Can a credit card account be closed?

There are many reasons why a credit card account could be closed—from inactivity to fraudulent activity to over-limit as well as for personal reasons. Should you need to reopen your account, you may be able to do so by discussing it with your card issuer.

What if I didn't close my credit card?

If you didn’t close your account yourself, it’s possible that your credit card issuer did. Ultimately, your issuer likely has the ability to close your account at any time. Here are some reasons why an account may be closed. If your account was closed because it remains unpaid by a certain number of days, it’s known as a charge-off.