No. of Recommendations: 0
Hi RingwraithV,

If your current CC were closed by you, and not the lenders, I would think that they would consider you for a new card, particularly if you have a long good payment history and your debt/income ratio isn't too high.

You don't give any reason for why you'd need to avoid a hard inquiry (buying a house, financing a car), so I don't think it would hurt to apply for the card that you want and see what happens. If one of your cards is a Citi card, why don't you just give them a call and ask if the closed card would impact their decision? If they wouldn't consider you for the reward miles card, maybe they'd consider opening up the closed card...

Disclaimer: I've never owed money on a closed card, so I have no direct experience AND I don't work for any credit agencies, so this is strictly my $0.02.

who dragged herself into work, then turned around and went home. Heading for bed, now. :)
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