My credit card debt was sent to collections 7+ years ago and now the collection agency doesn’t bother me and my credit is much better. What I want to know is can I get a credit card from the same company that I originally had the debt with? Basically would I be approved?

  • Some companies will do it but some won't. I had a bankruptcy 18 years ago and Amex still refuses to give me one, but all the other ones I had did, so depends on their own internal policy and how long they hold the records against you. Mar 6, 2023 at 4:12
  • @GµårÐïåñ this should be an answer.
    – RonJohn
    Mar 6, 2023 at 11:11
  • @RonJohn Thanks, I would have but was travelling for work and thought it was too brief without having time to flesh it out. So wanted to just share my personal experience with it hoping it would help the OP. Mar 7, 2023 at 19:02

2 Answers 2


What I want to know is can I get a credit card from the same company that I originally had the debt with?

If you apply with the same financial institution, expect that if they still have a record of your time with them, that they may not be willing to risk their funds again.

Note that many financial institutions are on the same credit card network. That means that major back X might reject you, but major bank Y will only have access to the data in your credit file. Major bank Y is more likely to extend you credit.

There are some closed networks like Discover that if you had debt go to collections that would hurt your ability to get a card in the future.

Basically would I be approved?

Maybe. You should start with your current bank. Your years of good behavior should include not bouncing checks, and not being overdrawn, therefore they should be more likely to give you a card. It might be a secured card, or it might be smaller than you would like, but that is where I would start.


You can always apply. If your credit rating has recovered they might accept.

Note that this is really the decision of the bank, not the credit card company, so if one bank turns you down you can still try another bank for the same card (though perhaps not with the same rate or extras).

If they don't, there is always the prepaid-card solution. Or debit card, though that doesn't help rebuild your credit rating, and last I checked debit cards didn't have all the same consumer protections that credit cards do. (I may be out of date on that point.)

  • 2
    Secured cards would work well to rebuild credit, and since they don't carry any risk to the issuer they may be easier to get
    – littleadv
    Mar 6, 2023 at 5:20
  • Banks are credit card companies.
    – RonJohn
    Mar 6, 2023 at 11:10
  • 1
    @RonJohn: Banks are credit card lenders, and set the acvount terms. The credit card networks are their own animal -- which is why you can get the same credits card brands from almost all banks. I think it's a useful distinction, but feel free to disagree.
    – keshlam
    Mar 6, 2023 at 13:44
  • You should make clear in your answer whether you are referring to the CC issuer or the CC network. Just saying "credit card company" is ambiguous, as demonstrated by my original comment.
    – RonJohn
    Mar 6, 2023 at 16:41
  • We agree that we disagree. Feel free to propose an edit and see if folks approve it as an improvement.
    – keshlam
    Mar 6, 2023 at 21:00

You must log in to answer this question.

Not the answer you're looking for? Browse other questions tagged .