FlyerTalk Forums - View Single Post - Chase closed two of my card accounts -- what to do?
Old Nov 21, 2008 | 5:46 pm
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roberton
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Chase closed two of my card accounts -- what to do?

I just got a letter in the mail from Chase telling me that they closed two of my credit card accounts with them, effective as of last week. This is my own fault, since I hadn't used those accounts at all in more than two years, but I'm still surprised that they were closed, given how much effort Chase puts into trying to get me to open new accounts. And I don't really mind having them closed, except that I'm a bit worried that it'll hurt my credit score to have them show up on my credit report as being closed by Chase, rather than closed at my request. So I have a few questions:

1) Does it really make much difference for one's credit score if an account is closed by the issuer instead of at the customer's request? In case it matters, my credit report is otherwise spotless (though with a fair bit of churning activity).

2) Will I get anywhere if I call up Chase and try to convince them to reopen the accounts, or at least to label them as having been closed at my request? I don't want to waste time calling them if there's no chance it'll change anything.

3) Any other advice for how I should handle this?
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