Amex Reinstated My Closed Accounts Without A Hard Credit Pull

3 Of My Amex Credit Cards Were Canceled

A couple of weeks ago, I had used my Amex Gold Delta credit card and unfortunately forgot it there. (It happens to the best of us.) A few days later, my relative comes over to me (we share the same name) and asks me, “Did you by chance lose your Amex Gold Delta credit card?” So I answered, “Yes.” Then he told me how it’s really funny because someone found it and gave it back to him. Since we have the same name, he thought it might be mine. I told him, of course, to return it as soon as he gets a chance.

If the story would end here, then it wouldn’t be press worthy. But, unfortunately, it did not. As an afterthought, he continued to tell me that when the person gave him back the credit card, he at first thought it was his card. So, he called Amex to verify the purchases and, of course, did not recognize them, so he disputed them! The story gets worse!  He also did not recognize the other credit cards that Amex  listed to him under ‘his’ name, so he canceled ALL the cards!!

Yup! He went and cancelled 3 of my Amex credit cards (How in the world he was able to do that without giving any verification except the information found on the credit card, don’t ask me, ask Amex.) Now I thought I’m toast.

Amex Solution 

 I called Amex ASAP. First, I gave them a run down that they need to beef up their security and maybe fire the representative that took the call from my relative and let him cancel three of my credit cards without even asking him for my four digit phone pin!

Then, after explaining the story, I asked the representative what can be done. The representative was very nice and told me he will reinstate all three accounts without making a credit pull and I’ll get back all my points and everything will be back to normal as if the cards  were never canceled!

After all that there was only one thing I was still not sure if Amex would reopen a closed account without making a hard credit pull. I re-asked the representative to double check with his supervisor that no hard pull will be done. He came back after a few minutes and confirmed that he can reopen the accounts without making a hard credit pull.

I was still not convinced, but was still desperate to have the accounts reopened, so I told him to proceed. He was able to reopen all three accounts. I double checked my report and found that the representative was right and Amex did not make any new hard credit pull!

Conclusion

What this episode taught me is that with Amex, even if you have closed an account, you can have it reinstated without making a hard pull. I’m not sure, though, if this can work even if you voluntarily closed the account. (In my case, it was closed in error.) Number two; I’m not sure for how long after you closed the account the account can still be reopened. (In my case, I called two to three days later).

If anybody has any more data points, please share them below and I will update the post accordingly.

THANKS FOR BEING WITH US!

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