My Amazon's Chase credit card bill was sent to collections in March 2019 due to some financial issues I had. I paid off the debt completely in collections and my credit rebounded. My credit card account was deactivated. I would like to apply for the same card again (because this is Amazon's Chase credit card which provides 5% cash back on Amazon purchases). Do you know if it is possible to get the same card again after it was closed and sent to collections? Or will Chase/Amazon not allow me to? Are there any rules against re-applying? E.g. Is there a cool-off period?

I assume that each credit card company has their own internal/private rules about this, but I'm curious if anybody has had a positive experience with reapplying for the same card.

  • 6
    Try applying. The worst they can do is say no, and maybe register a "hard pull" on your credit score. What's your score right now?
    – RonJohn
    Feb 8, 2021 at 17:46
  • 1
    @RonJohn I am not sure if it is the wisest thing to apply. Assume they have a "cool-off period" (as the OP calls it) of 24 months, and a rejected application adds 12 months to this period. (Numbers are completely made up.) So it might be wise to at least wait a month or two. And it is wise as well to ask here because maybe someone made already a similar experience.
    – glglgl
    Feb 9, 2021 at 7:48
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    Let us know how it went. I'll be waiting! Feb 17, 2021 at 23:22
  • thanks for the encouragement everybody. I'm waiting a few months to minimize hard pull issues but I'll update after I try, thanks! Feb 18, 2021 at 20:28
  • 1
    You might consider the store card (amazon.com/gp/cobrandcard/marketing.html) as an alternative. Same 5% back benefit, different bank (Synchrony). Or, if you have any business spend, Amex has one as well. americanexpress.com/us/credit-cards/business/….
    – ceejayoz
    May 27, 2022 at 14:19


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