After applying for a credit card, one would obviously wait for a positive outcome. But at times we are disheartened to find that either the application has been rejected or kept pending. That’s exactly when you would like to figure out how to convince the authorities to reconsidering your application. This is when the Backdoor numbers turn out to be handy.
Backdoor Credit Card Company Phone Numbers
“Backdoor” number is the one that gets you past frontline customer service representatives and connects you directly to the Credit Analysts or the Credit Departments or the Account Managers or the Account Specialists (different lenders call them differently).
These people or departments are the decision-makers and have abilities greater than frontline representatives, they are able to take and review your requests for reconsideration of denied applications or credit limit enhancement requests, and interest rate reductions etc. and implement the same after reviewing.
In addition to basic support, they can often assist you in the following:
- To track your application and provide the status of the same
- Can tell you the reasons for your request decline
- Might reconsider you for other credit products or terms
- Revise your credit limit or lower APR
- Assist you in using your rewards and benefits
Getting directly connected to these executives at these banks might not be easy, but calling these backdoor numbers might get you more help than the regular customer service helpline.
Get Yourself Prepared Before Calling
Once you have decided to call the backdoor numbers, keep the basic information ready for faster resolution.
- Keep your personal information and social security number ready
- Details about your credit, like how many points do you have, for now, number of cards you possess, whether repayments of all cards have been made on time, etc.
- Details of your financials, like details of the debt in statement balance card? How much do you have in your account? Do you have credit cards in other banks?
- Basic information on card features, reasons for application
Important Backdoor Numbers
American Express Contact Details (Personal Cards)
Main Support Line: 800-528-4800
Credit Bureau Team: 800-874-2717
Bill payment: 800-472-9297
Express Cash/Cash Advance: 800-227-4669
Twitter Handles: @AmericanExpress, @AskAmex, @AmexOffers
Read More: American Express Cards’ Spending Limits
American Express Contact Details (Small Business Cards)
Main Support Line: 800-492-3344
Bill payment: 800-472-9297
American Express Vacations: 800-335-3342
Membership Rewards: 800-297-3276
Platinum Travel Services: 800-443-7672
Barclays / Barclaycard
Main Support Line: 866-928-8598
Credit Card Activation: 877-408-8866
Twitter Handles: @BarclaycardUS, @AskBCUS
Bank of America
Main Support Line: 800-732-9194
Lost/Stolen Card Reporting: 800-732-9194
Confirm Balance or Activity, New Accounts: 800-432-1000
Credit Card Activation: 800-276-9939
Secured Accounts: 888-260-4696
Application Status: 877-721-9405
Twitter Handles: @BankOfAmerica, @BofA_Help
Chase (Personal Cards)
Main Support Line: 800-432-3117
Application Status: 800-436-7927
Credit Analyst: 888-245-0625
Chase Executive Office: 888-622-7547
Chase Credit Department: 888-688-6708
Twitter Handles: @Chase, @ChaseSupport
Chase (Business Cards)
Main Support Line: 888-269-8690
Twitter Handle: @ChaseforBiz
Citi / Citibank (Personal Cards)
Main Support Line: 800-347-4934
Lost/Stolen Cards and Account Info: 800-950-5114
Credit Card Application Status: 888-201-4523
Costco Card Application Status: 877-343-4118
General Rewards Assistance: 800-842-6596
Citi Advantage Credit Cards: 888-766-2484
Twitter Handles: @Citi, @AskCiti
Citi/ Citibank (Business Cards)
Main Support Line: 866-422-3091
CitiBusiness AAdvantage Cards: 800-732-6000
Diners Club International
Main Support Line: 800-234-6377
Outside the US: 514-877-1577
Twitter Handle: @DinersClub
First Bankcard
Main Support Line: 888-295-5540
Report Lost or Stolen Credit Card: 800-444-6938
User ID/Password Help or Technical Assistance: 888-467-2217
Request Cardmember Agreement: 888-295-5540
First National Bank of Omaha
Main Support Line: 888-530-3626
Report Lost or Stolen Credit Card: 800-444-6938
First Premier Bank
Main Support Line: 800-987-5521
GE Money Bank
Main Support Line: 866-419-4096
Credit Analyst: 866-519-6441
The Home Depot
Main Support Line: 866-875-5488
Application Status: 423-467-6957
Commercial Revolving Cards: 866-875-5489
Commercial Accounts: 866-875-5490
Home Depot Project Loan: 877-476-3860
Credit Analyst: 800-677-0232
Twitter Handle: @HomeDepot, @HomeDepot_Care
HSBC
Main Support Line: 888-385-8916
Application Status: 866-574-4421
Credit Analyst: 866-551-0258
Twitter Handle for US: @HSBC_US
Kaiku Finance
Main Support Line: 855-285-2458
Twitter Handle: @kaiku
Key Bank
Main Support Line: 800-539-2968
Application Status: 888-201-4523
Credit Research Fax: 216-357-6404
Twitter Handle: @keybank, @KeyBank_Help
Lane Bryant
Main Support Line: 866-886-4731
Credit Inquiries: 800-888-4163
Twitter Handle: @lanebryant
The Loft
Main Support Line: 888-563-8444
International line: 614-534-2756
Twitter Handle: @LOFT
Lord & Taylor
Main Support Line: 866-465-8292
Balance Inquiries: 800-223-7440
Twitter Handle: @lordandtaylor
Lowe’s
Main Support Line: 888-840-7651
Business Account: 888-840-7651
Business Rewards: 866-537-1397
Application Status: 800-445-6937
Fraud/Underwriting/Credit Department: 800-444-1408
Twitter Handle: @Lowes, @LowesCares
MasterCard
Main Support Line: 800-627-8372
Twitter Handle: @Mastercard, @AskMastercard
Navy Federal Credit Union
Main Support Line: 888-842-6328
Free Financial Consultation: 888-503-7106 x48492
Twitter Handle: @NavyFederal, @NavyFederalHelp
Netspend
Main Support Line: 866-387-7363
Twitter Handle: @NetSpend, @asknetspend
Nordstrom Bank
Main Support Line: 866-491-7860
Nordstrom Visa Signature: 866-445-0433
Nordstrom Platinum Visa and Retail: 800-964-1800
Twitter Handle: @Nordstrom
OneUnited Bank
Main Support Line: 877-663-8648
Twitter Handle: @oneunited
PNC
Main Support Line: 800-762-2265
Twitter Handle: @PNCBank
PenFed Credit Union
Main Support Line: 800-247-5626
Account Information: 402-951-2353
Report Lost/Stolen Card: 800-556-5678
Reward Information: 800-247-5626
Twitter Handle: @PenFed
Sallie Mae
Main Support Line: 800-587-7309
Credit Department: 877-564-7965
Credit Analyst: 877-903-7968
Twitter Handle: @SallieMae
Sam’s Club
Main Support Line: 888-746-7726
Consumer Credit Card Services: 800-964-1917
Business Credit Card Services: 800-203-5764
Consumer MasterCard Services: 866-220-0254
Business MasterCard Services: 866-220-2760
Direct Credit Services: 800-362-6196
Twitter Handle: @SamsClub
Sears
Main Support Line: 800-815-7700
Card Activation: 800-589-7327
Technical Difficulties: 800-815-7701
Lost/Stolen Card Reporting: 800-819-9000
Collections: 800-733-1116
Sears Credit Bureau Dispute Fax Number: 866-533-1820
Twitter Handle: @Sears, @searscares
Visa
Main Support Line: 800-847-2911
Twitter Handle: @Visa, @AskVisa
Washington Mutual / WaMu
Main Support Line: 800-356-0011
New Accounts: 888-687-2273
Twitter Handle: @wamu
Wal-Mart
Main Support Line: 877-294-7880
Commercial Accounts: 800-301-5546
Card Underwriting: 877-294-7548
Escalated Helpdesk: 877-294-7541
Twitter Handle: @Walmart
Wells Fargo
Main Support Line: 800-642-4720
Application Status: 800-967-9521
Bill Payment: 800-869-3557
Twitter Handle: @WellsFargo, @Ask_WellsFargo
Wings Financial Credit Union
Main Support Line: 800-692-2274
Twitter Handle: @WingsFinancial
Will, there be a Hard Pull for Reconsideration?
Generally, there’ll be no Hard Pull after reconsideration, except for Barclaycard. However, you will be duly informed before Hard Pull and without your agreement, the process won’t proceed.
There could be a possibility that you disagree with their rejection reason. For example, the rejection cause is different from your credit report, or your report has changed and differs from the one while applying, or you haven’t call reconsideration long after last rejection until now.
In addition, if you need to prove that your report is qualified, then you have to empower them to pull you once at least. But then don’t authorize them to pull again. Just wait for one or two months before you apply for reconsideration again.
People also search for like :What is the backdoor number for Chase reconsideration? , How do I call for a credit card reconsideration?, What is the phone number for Chase business reconsideration?, Does Chase have a reconsideration line?, What is the reconsideration line for Chase 5 24?
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