Credit Card Center Advertiser Disclosure†
11-29-2012 12:08 PM
Number worked well, got me to the right person, however as someone previously wrote they were blunt. My EX was clean however 5 openned new accounts in 6 months was too much so I was declined. I explained my reasoning for new accounts but no go. Bummer.
Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes: EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress CRA Dispute - in progress
12-03-2012 06:06 PM
Thanks guys, got the standard 30 day wait period on the online application, called into the backdoor number and after 2 minutes of review was approved for the Mileage Explorer card w/ $11k limit. Called back after another 30 minutes and asked them for an increase , got $15k immediately. (as my screen name says this is my first big CC after destroying my credit 8 years ago, spent the last 2 years building good credit history with secured cards w/ low limits, and debit cards)
Please use this line..real people listening to your story for credit approval, rather than a computer and score trying to figure it out.
P.S. Make sure you tell them you want the Signature card..the Mileage Explorer Card has 2 levels (based on your credit , unknown to most a Signature and a Platinum) , you want the Signature card for those travel benefits..
01-07-2013 02:51 PM
That back door number works great. Got the usuall web note that will get an answer is 7 to 10 days. Called up and very nice lady picked up the phone. Asked me some questions from my credit report and approved for $3000 on a Chase Freedom Card.
I currently have 2 capital ones with 500 limit & a discover with 2200 limit.
paid off my care credit. 4000 bill
TU - 675.
EXuifax - 636
No late payments. No collection. my oldest card is 2 year old discovery. About 5 years ago I was in the 500 credit score range.
02-16-2013 08:42 PM
hi one thing i must say sometimes when a person try to get a card and then get turn down the first time when you try the second time make sure you let them know that you want them to pull a fresh credit report. some cards like citi use the same old info from the first time and wil not tell you its a soft pull.they system have a way of keeping old info i know this for a fact.
02-17-2013 06:52 AM
Backdoor number worked great for me I wasn't expecting a huge limit just wanted another card to expand my portfolio to build my credit etc. Got the 30 day email called them up and they gave me a 500 CL to start which is all I wanted thanks for the number.
03-14-2013 06:54 AM
Had to signup just to thank everyone who recommended this...
8 days after applying I called in and spoke to a woman (was very nice and not blunt at all, not that I would have cared either way). Advised that I was denied for 4 reasons, all of which involved a high debt to credit ratio on my only other existing card which I had expected. Without even asking any questions, she reviewed it and approved it for 3000 CL. Actually higher than I had expected or even wanted.
Great thread, and thanks again!
03-14-2013 07:12 AM
03-20-2013 11:00 AM
I cannot believe,I stumbled onto this post,I called that number talked to a nice young man named Brian,so much more personal than the cold hard facts that they look at from the card application,I have a 686 credit score,6.5 years ago I filed a Chapter 13,(House loan ballooned) paid it off 3 years ago and have been working hard to rebuild credit,I have an HSBC card and a Capital One card and a car payment with 6.5% interest rate,(With Chase) ,I wanted a credit card with a better interest rate and the 2 airline tickets you can get with the Soutwest Chase card was inviting,I called today and was told I was declined,but talked to Brian,and he agreed I deserved a card,So $3000 limit; but I got the card. Thank you for this post.I am still shaking my head but it worked..The fact remains though,that I deserved the card,I'm been working hard to rebuild my credit and an actual person that took the time to look and see I was telling the truth is a fair way to do business. Thank you Chase and the guy that left this initial post !!!
04-02-2013 04:07 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.