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QUestions regarding Backdoor numbers

Valued Member

QUestions regarding Backdoor numbers

I have a quick question. If I get denied on a card, and I want to be stubborn and keep calling in until they accept me, what do I need to say or ask over the phone?

 

I got denied for Cap1 VentureOne. 

 

I was also told when I called their Account Specialist line that they couldn't see the reason why I was denied, is that true? Who would I need to talk to to get anywhere with this?

 

Again, I am stubborn but I know when I've pushed too far, and I do not believe I am there yet Smiley Happy




Starting Score: 637
Current Score: EQ:712 TransRISK: 724
Goal Score: 780


Take the myFICO Fitness Challenge

Message 1 of 5
4 REPLIES
Regular Contributor

Re: QUestions regarding Backdoor numbers

Call back ask why you got denied again. Then figure out how to explain why you got denied; call back and make an arguement for yourself. Knowing how good your credit is will help. Try to already know what they are looking at


EQ 733 3/3/13 GOAL: 800 Merrill Lynch Merrill+ $12,500 | AMEX BCE 6K | AMEX PRG NPSL | CSP 6K | Freedom 5K | Discover IT 5K | HVFCU 10K | American Eagle Visa 5K | Citi Thank You Preferred 6,100

In the garden since 4/22/13 | Hating on Capital One since '09
Message 2 of 5
Valued Member

Re: QUestions regarding Backdoor numbers

Yea I pull my report from EQ and TU. Scores are a minimum of 722 across the board.

 

 

So I should:

 

Call until I get a reason

Once I have a reason find a way to explain it

Call back until I get accepted or feel that I have pushed too far

 

 

something like that?




Starting Score: 637
Current Score: EQ:712 TransRISK: 724
Goal Score: 780


Take the myFICO Fitness Challenge

Message 3 of 5
Valued Member

Re: QUestions regarding Backdoor numbers

Oh, I guess I also should have put the most important thing on here regarding the whole point of the topic! Which number SHOULD I call for Cap1? I just went with the first one, account specialist and got someone who sounded like they were from India. I am not complaining about this. I actually work for a software company so I deal with the Indian call hub all the time xD




Starting Score: 637
Current Score: EQ:712 TransRISK: 724
Goal Score: 780


Take the myFICO Fitness Challenge

Message 4 of 5
Highlighted
Mega Contributor

Re: QUestions regarding Backdoor numbers


VinceYoung wrote:

Oh, I guess I also should have put the most important thing on here regarding the whole point of the topic! Which number SHOULD I call for Cap1? I just went with the first one, account specialist and got someone who sounded like they were from India. I am not complaining about this. I actually work for a software company so I deal with the Indian call hub all the time xD


800-707-0489

 

no dice there call

 

800 955 1455

 




EQ FICO 548 3/3/16
Message 5 of 5