Quote:
Originally Posted by simpleyme
I have found that once you give them your info they always have it and will not purge it
I cancelled my home depot card , when i rented a truck years later I did not need to give them a CC to secure the truck rental since I had a home depot card, What? no I don't I closed it!
they guy said yea but if something happens they will just reopen it  |
True, but it really depends.
My Crocker National Bank card was closed, and they later merged with Wells Fargo. Wells Fargo did not get the info and I ended up separately applying for their card a long time ago.
I've not really closed many accounts... generally when getting a renewal, I many not call up and activate the new card. When I do that, every year I get the renewal
. They don't always seem to take the hint.
But also I've had the above situation arise too. Once when replacing a necessary for work laptop through Dell, they told me that can put it on their CC for another discount. I told them that I don't have the card anymore, and they told me that it's in the system and I could use it free of any interest charges for 6 months. Of course, I took advantage of the add'l discount and paid it off entirely before the 6 months were up... so it gained me more than the rewards from Discover.
But yes, if a CC is renewed or available in the system (and the company has not gone out of business nor merged), then the account can be reused or re-opened. Even if you have closed the account by talking with them, it can be reopened under newer terms.