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Forgot When You Closed a Credit Card? Here’s How to Quickly Find the Date!

Forgot When You Closed a Credit Card? Here’s How to Quickly Find the Date!

Million Mile SecretsForgot When You Closed a Credit Card? Here’s How to Quickly Find the Date!Million Mile Secrets Team

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Million Mile Secrets reader, Steve, commented:

What’s the easiest way to find out when you closed a credit card?

There are 2 ways to get this information.  You can call the bank or check your credit report.

Finding the date you closed a credit card can help if you’re trying to earn the sign-up bonus on the same card again.

And it’s also good to know when you opened a card.  For example, this can help with Citi cards because they restrict sign-up bonuses if you’ve opened or closed a card under the same family of cards in a 24-month timeframe.

Credit Card Open And Close Dates
Finding the Date You Opened or Closed a Credit Card Can Determine If You’re Eligible to Earn a Sign-Up Bonus Again

I’ll share how you can find this information on your credit report!

Find Account Open and Close Dates on Your Credit Report

Link:   CreditKarma

Link:   Easily Find Out Credit Card Open & Close Dates

You can access your credit report for free on CreditKarma.  If you don’t have a Credit Karma account, it only takes ~2 minutes to sign-up.

Or get a free copy of your credit report from each bureau every 12 months.  Here are links to the sites:

Once you view your credit report, you can see:

  • Date of account opening (and closing, if applicable)
  • Credit limit
  • Monthly balance as of each statement date
  • Monthly payment history

Here’s a step-by-step guide to finding the open and close dates using Credit Karma.

Step 1.   Log-In to Credit Karma

To get to your credit report, log into your Credit Karma account.

Credit Card Open And Close Dates
First, You’ll Want Log Into Your Credit Karma Account or Register for Access

Step 2.   Find Your Credit Card Accounts

Next, you can click on the top of the page where it says “Accounts.

Credit Card Open And Close Dates
Click the “Accounts” Tab to Find Your Detailed Information

Step 3.   View Card Accounts on Your Credit Report

Scroll down on the account page to see a list of your credit cards.

At this step, you’ll be able to see a list of all your credit card accounts, including any you may have closed.

The account names do not specifically say the name of the card.  You’ll typically only see the bank name.

But clicking on the account name will get you more details that can help you figure out the exact card.  I’ll show you in the next step.

Credit Card Open And Close Dates
Click on the Bank Name to See More Details for the Specific Card Account

Step 4.   View Open and Close Dates

The detailed account view will show you lots of information, including the dates the cards were opened and closed.

You’ll also see the credit limit for the card and payment history.  This information is helpful in identifying a specific card.  Because you might have the credit limit details for a closed card on an old statement.

Credit Card Open And Close Dates
View Detailed Account Information, Including Open and Close Dates

…Or Call the Bank

A quick phone call to the bank can get you dates you opened or closed a credit card.

If you no longer have the card number for the account you’re inquiring about, you should be able to provide your Social Security Number to customer service to pull up your previous history.

Bottom Line

To find the dates you opened or closed a credit card, you can check your credit report or call the bank.  This is helpful for folks looking to earn a sign-up bonus on a card again.

For a quick way to find this information on your credit report, I recommend using CreditKarma.  It’s free and very easy to navigate.

And it’s never too late to make a spreadsheet with important account dates, like when a card was opened or closed, annual fee due dates, and when you can expect an anniversary bonus.

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Credit Karma used to be easier to use for this. You used to be able to see a list of all your accounts and then sort by open date, without having to expand each individual account.

To my knowledge, this functionality is no longer available.

Always informative—can a closed account be used towards length of credit history–I had Amex opened in ’79—voluntarily closed 2008

Million Mile Secrets

Unfortunately, only the age of active accounts count toward your length of credit history.

Be careful with this one if you’ve done product changes. Your credit report will not show an account closure but Citi will still count it as one. Speaking from experience!

Million Mile Secrets

Thank you for sharing your experience!