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.
I’ll share how you can find this information on your credit report!
Find Account Open and Close Dates on Your Credit Report
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.
Step 2. Find Your Credit Card Accounts
Next, you can click on the top of the page where it says “Accounts.”
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.
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.
…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.
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.