Backdoor Numbers To Cards
A "backdoor number" is one that gets you past front-line CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) -these people/departments have decision-making abilities greater than front-line CSR's, they are able to take and review requests for reconsideration of denied cc apps or CLI requests, APR reductions, etc. and implement their decisions.
Backdoor numbers and the people to whom they connect you can be useful in requesting a reduced APR if you feel your credit profile rates a lower one, or in requesting a review of a denied credit application or declined request for a credit limit increase, if you feel your credit profile deserves an approval, but they aren't magic wands - as with anything, your mileage may vary depending on your individual credit profile.
AmEx Collections Dept: 800-921-6490 (people on blacklist can call this number) AmEx Oasis Program: 888-232-3261 AmEx: 800-567-1083 (App Status - Use with caution if attempting a denied app recon; have been advised by one member that they can only resubmit app with another hard pull) AmEx: 800-230-1284 (Account Services - handles accounts with issues) AmEx: 800-700-7619 (Reserves - handles closed and charged-off accounts) Amex: 800-528-4800 (Rate reduction line) AmEx Executive Office: 800-297-6197 American Express Credit Bureau Unit: 800-874-2717. (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number.) Barclays: 888-232-0780 (Customer Care) Barclays: 877-683-1400 (Security Dept) Barclays: 866-205-5973 (credit analyst 24 hours) Barlcays: 866-408-4064 (credit analyst MAY have limited hours) Best Buy: 800-365-0292 (CSR) Best Buy MasterCard and Citi Credit Card Executive Office 423-477-6858 BofA: 800-421-2110 – Customer Satisfaction BofA: 888-991-8222 – Customer Satisfaction BofA: 866-811-4108 (Credit analyst - existing cardholders) BofA: 877-721-9405 (App Status - Choose Option 3) BofA: 888-503-6092 (App Analysts 8a-9p EST) BofA: 866-811-4108 (Dedicated APR Reduction) BofA: 800-732-9194 BofA: 888-260-4696 (secured accts.) BofA: 800-824-5895 (secured & partially secured accts.) BofA: 800-881-4730 (Loan Dept.?) BofA: 866-618-4585 (Sr Credit Analyst) BofA Credit Dept. Fax: 888-500-6270 BofA/FIA: 888-831-4181 BofA/ FIA: 800-655-1491 for 24 hr automated balance, app status, and payment information. BofA Fraud Monitoring: (877) 833-5617 BOFA:866-865-7839 (Recon Department)- BofA E/O: 704-386-5687 - Bank of America -- Rate Reduction Team (1.800.770.6459) or (800-421-2110) available 8 a.m. to 8 p.m. EST Mondaythrough Thursday, 8 a.m. to 5 p.m. ET Friday, 8 a.m. to 12 p.m. ET Saturday, closed Sunday Backdoor Numbers To Cards.txt[6/16/2015 12:17:37 AM] BP/Amoco App Status: 800-365-6204 Cap1: 800-625-7866 (Account Specialist) Cap1: 800-951-6951 (cust. relations) Cap1: 800-903-9177 (Application Service Group department) Cap1: 800-548-4593 (application status - automated only) Cap1: 800-889-9939 or 800-625-7866.(Account Specialist) Cap1: 877-513-9959 (Account Retention?) Cap1: 800-258-9319 (Debt Recovery) Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst) Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.) Cap 1 EO E-mail Contact Info Cap1: 800-955-1455 (EO) GM Lending Dept 800-395-2120 - (Analyst) they cannot assist with other Cap 1 CCs Chase: 800-436-7927 (App status - automated) Chase: 888-270-2127 (App recon) Chase: 888-245-0625 (Credit Analyst - Recons) Chase: 888-622-7547 (Chase Executive Ofc. in IL) Chase: 800-955-9900 (Product change status questions) Chase: 888-688-6708 (Verification department) Chase: JP Morgan Priority Services 800-527-7415 8am-7pm-EST Chase: 800-453-9719 (Business Analyst Recon) Chevron/Texaco Biz Card App Status: 888-243-8358 Chevron Cust Service: 800-243-8766 Citi: 888-201-4523 (New App Approval Status) Citi AA: 888-662-7759 Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453 Citi: 800-444-2568 (Retention Dept.) Citi: 800-763-9795 (App status?? They ask for your app #) Citi Credit Bureau Dispute Fax: 866-713-5028 Citi EO for the Citi Cards division: 605-331-1698 (Open at 9AM CST) Citi EO: 866-336-7285 ~maiden_girl Citi: CSR: 301-733-5501 (New App Status Comenity: 800-303-1368 (Recon) Comenity Account Protection: 1-866-668-5450 (Verification of identity) Discover: 888-676-3695 (Recon) Discover: 866-219-0214 (Retention Dept.) Elan Financial Services: 800-685-7680 ExxonMobil Biz Card: 800-903-9966 Fifth Third Bank Phone: 1-800-457-0842 - Select 3 for a CSR (Credit Card Application Status) Backdoor Numbers To Cards.txt[6/16/2015 12:17:37 AM] FNBO: 800-444-6220 (UW) Home Depot Store Card: 800-677-0232 (Credit Analyst) Home Depot Store Card: 423 467 6957 (App Status/Recon) Home Depot MC (Commercial): 800-720-0649 Hooters: 801-545-6705, 800-850-4668 HSBC: 866-574-4421 (App Status) HSBC: 866-551-0258 (Credit Analyst) HSBC: 866-280-0118 (Executive Resolution Unit) Juniper: 866-408-4064 (Credit Analyst) Juniper/Barclays: 866-750-6031 (Corp. Offices) Key Bank: 888-201-4523 (App status) Key Bank MC: 800-288-4653 Keybank Credit Research Fax: 216-357-6404 Lowes: 800-445-6937 (App Status) Lowes: 866-232-7443 (Biz Acct. Underwriting) Lowes Fraud/Underwriting/Credit Dept.: 800-444-1408 Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa AmEx, credit reporting issues) Macy's: 800-543-9617 (Recovery Services) Macy's: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases) Meijers MC: 801-517-5560 Merrick Bank - CC - 877-790-5648 Nationwide Visa: 866-757-2720 (App. status) Philips 66: 866-289-5630, 800-610-1961 PNC: 800-762-0974 (Credit Dept.) Saks Fifth Avenue: 866-500-7257 (Application Status) Sallie Mae Visa: 877-564-7965 (Credit Dept.) Sam's Club: 800-301-5546, 866-246-4282 (Underwriting) Sam's Club/WalMart: 877-294-7541 (escalated help desk) Sears: 800-599-9710 (Comm'l Accts.) Sears: 866-533-1820 (Sears credit bureau dispute FAX number) Shell Fleet Card: 800-223-3296 (App status) Shell: 800-223-3296, 866-438-7435 Shell: 800-377-5150 Staples: 800-767-1291, 800-282-5316 Backdoor Numbers To Cards.txt[6/16/2015 12:17:37 AM] Sunoco Corp. Card: 800-935-3387, 800-278-6626 Sunoco: 800-310-4773 Synchrony Bank: 1-800-480-0186 (new accounts ID Verification: Monday-Friday 8AM ET-Midnight 12 ET.) Synchrony: (except WalMart): 866-419-4096 Synchrony: 866-519-6441 (Credit Analyst/Credit Solutions) Credit Solutions 877-379-8173 Synchrony: 937-534-6180 ( Fraud Dept/locked account) Target: 866-225-7041 ( New accounts, i.e. 7 to 10 day message ) Target Biz Card: 800-440-5317 Tiffany: 800-770-0800 Toyota Financial Visa: 866-865-7757 US Bank: 800-947-1444, 800-685-7680 (Underwriting) US Bank Corp. & Comm'l Cards: 800-344-5696 (may not be true backdoor number - someone please PM me if this isfrontline CS. Thx! - Scamp) US Bank: 800-308-3648 (Debt Recovery) Valero: 877-882-5376 Wal-Mart: 800-480-0205 (personal accounts) Wal-Mart: 800-301-5546 (commercial accounts only) Wal-Mart Underwriting: 877-294-7548; 877-294-8770 WalMart/Sam's Club: 877-294-7541 (escalated help desk) WaMu CSR: 800-356-0011, or 800-280-9441 WaMu: 888-687-2273 (Apps/New Accts) Wells Fargo: 800-967-9521 (credit card underwriting) Wells Fargo: 866-412-5956 or 866-412-5957 (UW) Wells Fargo: 866-677-1128 (now Executive Office) Wells Fargo Financial National Bank: 866-535-2725 (Executive Office) Wright Express: 888-743-3893
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