topic Re: Do They Mind When You Go In The Back Door? in Credit Cards

Do They Mind When You Go In The Back Door?

masscredit — Fri, 12 Oct 2012 14:50:19 GMT

Before signing onto this forum a few months ago, the only credit card contact info that I knew of was on the back of the card. After being here for awhile, I've found out about back door phone numbers, e-mailing the executive offices, sending up smoke signals ect, ect... I don't know how long people have been using these contact options but... do the companys mind? Before this info was posted online, I'm thinking they just get an average number of business calls each day. After reading some of the posts here, it seems like they are getting hundreds of e-mails/phone calls from people wanting CLIs.

Re: Do They Mind When You Go In The Back Door?

SwiftTone — Fri, 12 Oct 2012 14:56:52 GMT

Sometimes they are a little taken back with the reaction "how did you get this number" or "why are you calling me" attitude at first. But after explaining my situation, they usually understand why I am calling them. I am still a little nervous when calling so I try to solve the issue through the regular channel first.

PS: might want to rephrase the title :smileysurprised:

Re: Do They Mind When You Go In The Back Door?

4us- — Fri, 12 Oct 2012 14:57:05 GMT

SwiftTone wrote:
Sometimes they are a little taken back with the reaction "how did you get this number" or "why are you calling me" attitude at first. But after explaining my situation, they usually understand why I am calling them. I am still a little nervous when calling so I try to solve the issue through the regular channel first.

PS: funny title...

:smileyvery-happy:

Re: Do They Mind When You Go In The Back Door?

youngandcreditwrthy — Fri, 12 Oct 2012 14:59:54 GMT

Pahahhahahahahahahhaa "do they mind if you go in the backdoor"....
Uh oh, mods might get you.:-X

LOL yeah, sometimes they are like "how'd you get this num".
Otoh, Ive had reps be like "you calling for a recon?"

So ymmv. I think it depends on how nice the person really is lol

Re: Do They Mind When You Go In The Back Door?

SwiftTone — Fri, 12 Oct 2012 15:02:38 GMT

youngandcreditwrthy wrote:
Pahahhahahahahahahhaa "do they mind if you go in the backdoor"....
Uh oh, mods might get you.:-X

LOL yeah, sometimes they are like "how'd you get this num".
Otoh, Ive had reps be like "you calling for a recon?"

So ymmv. I think it depends on how nice the person really is lol

the answer may be yes depending on the context and person you talk to.

Re: Do They Mind When You Go In The Back Door?

djrez4 — Fri, 12 Oct 2012 16:45:26 GMT

Usually not as long as you warn her first. HIYO! :smileylol:

I've never had an issue. I call them every time I apply because I'm either impatient or not happy with the CL.

Re: Do They Mind When You Go In The Back Door?

jd5189 — Fri, 12 Oct 2012 16:50:21 GMT

LOL A GOOD FRIDAY TITLE!!!!!

:smileyvery-happy:

Re: Do They Mind When You Go In The Back Door?

Shogun — Fri, 12 Oct 2012 17:00:19 GMT

Nice play on words,, lol.. OK, enough of that. If it wasn't an option, they wouldn't have it. That way you just don't have some computer crunching numbers and doesn't know the whole story.

Re: Do They Mind When You Go In The Back Door?

beautybrainsbooty — Fri, 12 Oct 2012 18:59:39 GMT

see i was thinking to myself should I click on this topic?? ;)

Re: Do They Mind When You Go In The Back Door?

trumpet-205 — Fri, 12 Oct 2012 19:05:05 GMT

Capital One did give me bad mouth when I called executive line. So I'd say some do mind if you call backdoor.

Re: Do They Mind When You Go In The Back Door?

beb86 — Fri, 12 Oct 2012 19:10:45 GMT

4us- wrote:
SwiftTone wrote:
Sometimes they are a little taken back with the reaction "how did you get this number" or "why are you calling me" attitude at first. But after explaining my situation, they usually understand why I am calling them. I am still a little nervous when calling so I try to solve the issue through the regular channel first.

PS: funny title...
:smileyvery-happy:

Bahahaha

Re: Do They Mind When You Go In The Back Door?

TheConductor — Fri, 12 Oct 2012 19:12:05 GMT

+1 Shogun. If they didn't want you calling those people, they'd change the number and notify only the people they want to have it of the new number.

Many companies that are smart about the way they run their company recognize that it's a good thing for a certain percentage of these issues to enter the system higher up the chain. That enables the upper echelons of the company to "take the pulse" of how things are going with their customer relations.

As someone who has cold-called CEOs for his day job, I will say that while they don't mind getting calls in the executive offices, you can make the situation better for all parties involved and often get a better outcome for yourself by planning ahead. When you know exactly what you want to say, the points you want to convey and the result you want to get, you can keep the call short and sweet and use a minimum of the valuable time of whoever you're speaking to.

Respect, courtesy, and efficiency will take you much further on these backdoor numbers than a sense of entitlement will. For example, if you're calling up a credit analyst for a recon, have copies of your credit reports in front of you and be prepared to discuss what's in them. Present your evidence and make a well-reasoned request for what you want. Requests, even strong, firm requests, meet a lot less resistance than demands.

Ultimately, the best thing you can do is remember that it's a relationship. Companies that really "get" customer service treat their customers as if it's a long-term relationship, and as a customer you can get a lot of mileage out of treating companies the same way - even the companies with terrible customer service.

Re: Do They Mind When You Go In The Back Door?

masscredit — Sat, 13 Oct 2012 04:55:37 GMT

+1! Very good suggestions and explaination!

Re: Do They Mind When You Go In The Back Door?

CruzImperial — Sat, 13 Oct 2012 05:15:33 GMT

I've never had any problems inquiring back there. Remember they are getting paid for it.

Re: Do They Mind When You Go In The Back Door?

isoldmyatlas — Sat, 13 Oct 2012 05:18:51 GMT

Where's LS with the popcorn GIF??! :smileylol:

CruzImperial wrote:
I've never had any problems inquiring back there. Remember they are getting paid for it.

Re: Do They Mind When You Go In The Back Door?

masscredit — Sat, 13 Oct 2012 06:15:45 GMT

Some people probably look at the subject then check to see what forum they're on! :)

Re: Do They Mind When You Go In The Back Door?

shadow2k — Sat, 13 Oct 2012 20:04:24 GMT

TheConductor wrote:
When you know exactly what you want to say, the points you want to convey and the result you want to get, you can keep the call short and sweet and use a minimum of the valuable time of whoever you're speaking to.

Respect, courtesy, and efficiency will take you much further on these backdoor numbers than a sense of entitlement will.

This.

I'm not a CEO or anything, and don't work for any bank. But I do work in an industry where customers like to try and escalate things a lot. Being management, I get my fair share of calls that weren't channeled through the normal avenues. If you follow the points above, I'll do what I can. If you just think you're special and shouldn't have to call regular CSR's, you're not likely to get anywhere with me. I can bend rules, I can break em...or I can pretend as if they're etched in stone. Your attitude is the largest determining factor in this.

These points pretty much should be followed on any call to any CSR, for any reason. Be nice and respectful, and don't waste their time. They'll be far more likely to respond in kind.

Re: Do They Mind When You Go In The Back Door?

webhopper — Sat, 13 Oct 2012 20:07:25 GMT

CruzImperial wrote:
I've never had any problems inquiring back there. Remember they are getting paid for it.

Omg lmao. I could include a not so nice response but I will not ;)

Re: Do They Mind When You Go In The Back Door?

LS2982 — Sat, 13 Oct 2012 21:51:27 GMT

Re: Do They Mind When You Go In The Back Door?

isoldmyatlas — Sat, 13 Oct 2012 21:59:29 GMT

LS2982 wrote:

:smileylol: