topic Re: Fidelity AMEX - FIA backdoor # in Credit Card Applications

Fidelity AMEX - FIA backdoor #

denver133 — Mon, 04 May 2015 16:55:31 GMT

Seems like the numbers we have for FIA are no longer working. Does anyone have this number so I can recon my denial?

Thanks!

Re: Fidelity AMEX - FIA backdoor #

CreditCuriosity — Mon, 04 May 2015 17:09:54 GMT

FIA: 888-503-6901 (Credit Analyst) This the number you used?

Edit did try # and invalid... Someone gotta have it.

Re: Fidelity AMEX - FIA backdoor #

denver133 — Mon, 04 May 2015 18:34:04 GMT

Yup. Tried all the numbers I could find on here. Couldn't get passed the automated person on that line. I've got my negotiating hat on and want to discuss this. I want this card!

Re: Fidelity AMEX - FIA backdoor #

DaveInAZ — Mon, 04 May 2015 19:13:04 GMT

I got an email from Fidelity to app for this with a promo code (VACD37) to get the $50 spend bonus for charging at least $500 in the first 60 days. It says to apply call 866-598-4971 if you don't want to app online. Maybe someone at that # can get you to recon or credit analyst.

Re: Fidelity AMEX - FIA backdoor #

CreditCuriosity — Mon, 04 May 2015 19:14:47 GMT

@DaveInAZ wrote:
I got an email from Fidelity to app for this with a promo code (VACD37) to get the $50 spend bonus for charging at least $500 in the first 60 days. It says to apply call 866-598-4971 if you don't want to app online. Maybe someone at that # can get you to recon or credit analyst.

Yes I have this as well... I am wanting to App, but holding firm atm.. The temptation.. Until I have a recon # that works, the app is on hold lol... Safetly reasons of course

Re: Fidelity AMEX - FIA backdoor #

Creditaddict — Mon, 04 May 2015 19:30:33 GMT

Call a Bank of America backdoor and htey should be able to transfer you.

Re: Fidelity AMEX - FIA backdoor #

DaveInAZ — Mon, 04 May 2015 19:33:12 GMT

@CreditCuriousity wrote:
@DaveInAZ wrote:
I got an email from Fidelity to app for this with a promo code (VACD37) to get the $50 spend bonus for charging at least $500 in the first 60 days. It says to apply call 866-598-4971 if you don't want to app online. Maybe someone at that # can get you to recon or credit analyst.
Yes I have this as well... I am wanting to App, but holding firm atm.. The temptation.. Until I have a recon # that works, the app is on hold lol... Safetly reasons of course

Yeah, I want to app for this card but holding off for now- new Barclay NFL card approved late March w/$7700 CL, first statement posted w/$4k BT to pay off a Prosper loan and it dinged my FICO 3 pts., so I'll let the new card & BT age a few months. Spend bonus offer is good for cards opened by 7/29/15, so I'll look at again in early July. Having a recon # that works would help.

Re: Fidelity AMEX - FIA backdoor #

denver133 — Mon, 04 May 2015 22:46:43 GMT

Called the BOA recon line and mentioned Fidelity Amex and they got me transfered. Recon didn't get me anywhere. Bummed. I will try again in 6 months or so.

Re: Fidelity AMEX - FIA backdoor #

CreditCuriosity — Mon, 04 May 2015 23:14:07 GMT

@denver133 wrote:
Called the BOA recon line and mentioned Fidelity Amex and they got me transfered. Recon didn't get me anywhere. Bummed. I will try again in 6 months or so.

What were the reasons if you dont mind me asking... Your scores aren't out of line persay for that card.. Seen ALOT lower... What is your Util?

Re: Fidelity AMEX - FIA backdoor #

denver133 — Tue, 05 May 2015 09:57:09 GMT

I have 9 baddies still on my file. 9 CO's that have all been paid but still out there. It was a rough time of my life that was only a couple years ago but still rough.

Uti - 19%

While reconing, they mentioned a card from 2001 (freshman year of college. You know the story). I asked if that is what was keeping me from getting approved and he said they wanted to see more time pass with the COs.

Re: Fidelity AMEX - FIA backdoor #

stagefoursurvivor — Tue, 05 May 2015 11:38:37 GMT

I applied on 4/25 online, got the "wait & see" message. Called UW(?) on 4/27 to clarify my retirement acct#, was told app is pending. NOW, I can't get past the automated phone system and have received no contact of any kind regarding my app. Plus, no pulls on Ex or Eq.

I even tried the retirement acct manager # to no avail.

What is their usual procedure, send the card or AA letter, no emails? Timeframe for contacting you?

Re: Fidelity AMEX - FIA backdoor #

CreditCuriosity — Tue, 05 May 2015 11:53:06 GMT

Appreciate the anwser Denver... If you are up for it you can always try another recon.... Depends really how bad those oldies are, but your scores don't appear to reflect 9 co's as they really arent that bad at all.

Re: Fidelity AMEX - FIA backdoor #

DaveInAZ — Tue, 05 May 2015 23:44:33 GMT

I was checking the {Mod cut}- good news is they pull EX, that's my lowest inquiries, 6 (8 on TU & EQ), and my EX score is 704. But the lowest score I see approved is 702 with the comment "Asked question about paid CO in 2010.Stated a lot of recent inquiries (7) but no issue with them.Also, did ask if I did a BK". Next lowest is 707 w/comment "Clean report except old repo about to fall off". Most approvals are in mid to upper 700s. Declines include 657 "score too low", and a 685 "Denied, previous 6+ year old collection cited as reason".

I'm hesititant to app for this - BK7 approaching 4 1/2 yrs post discharge, but includes 1 BoA Amex for $8k, and worse yet I was 30 days late before filing in Sep 2010, so EX shows 30-30-90-120-150 late Jul-Nov and CO Dec 2010. Since I was late before filing they can report that, if not late then they have to report OK until file date and then Closed, IIB. BoA never approved me for the card (I've never done any biz with them), I got it from Bank of Hawaii when I lived in Honolulu in the 90s and they sold it to BoA in 2005 after I had moved back to the mainland for several years, but I suppose they don't care whether they originated the card or not. I do have a couple of positive BoA mortgages & real estate lines of credit from the mid 2000s on EX. I suppose I could point that out to recon, but they seem very sensitive to any baddies. The other thing is I see a couple comments that they had EX frozen so FIA used TU - while more inquiries the BoA card shows no lates on TU, I disputed lates & TU removed them, EX wouldn't. .

Re: Fidelity AMEX - FIA backdoor #

CreditCuriosity — Tue, 05 May 2015 22:52:22 GMT

@DaveInAZ wrote:
I was checking the Credit Pulls database at CreditBoards.com - good news is they pull EX, that's my lowest inquiries, 6 (8 on TU & EQ), and my EX score is 704. But the lowest score I see approved is 702 with the comment "Asked question about paid CO in 2010.Stated a lot of recent inquiries (7) but no issue with them.Also, did ask if I did a BK". Next lowest is 707 w/comment "Clean report except old repo about to fall off". Most approvals are in mid to upper 700s. Declines include 657 "score too low", and a 685 "Denied, previous 6+ year old collection cited as reason".

I'm hesititant to app for this - BK7 approaching 4 1/2 yrs post discharge, but includes 1 BoA Amex for $8k, and worse yet I was 30 days late before filing in Sep 2010, so EX shows 30-30-90-120-150 late Jul-Nov and CO Dec 2010. Since I was late before filing they can report that, if not late then they have to report OK until file date and then Closed, IIB. BoA never approved me for the card (I've never done any biz with them), I got it from Bank of Hawaii when I lived in Honolulu in the 90s and they sold it to BoA in 2005 after I had moved back to the mainland for several years, but I suppose they don't care whether they originated the card or not. I do have a couple of positive BoA mortgages & real estate lines of credit from the mid 2000s on EX. I suppose I could point that out to recon, but they seem very sensitive to any baddies. The other thing is I see a couple comments that they had EX frozen so FIA used TU - while more inquiries the BoA card shows no lates on TU, I disputed lates & TU removed them, EX wouldn't. .

If BofA was included in your BK I would avoid applying since Fidelity/FIA.. Being FIA is owned by BofA.. I think your chances would be very slim.. Just trying to save you an EX HP. Either way best of luck whatever you choose. They could also pull TU as you saw.

Re: Fidelity AMEX - FIA backdoor #

DaveInAZ — Tue, 05 May 2015 23:41:15 GMT

CreditCuriousity wrote
If BofA was included in your BK I would avoid applying since Fidelity/FIA.. Being FIA is owned by BofA.. I think your chances would be very slim.. Just trying to save you an EX HP. Either way best of luck whatever you choose. They could also pull TU as you saw.

Thanks, I was hoping you would reply with your opinion. When I saw comments in Credit Pulls about FIA asking about denying for a 6 yr. collection I re-checked my 10/2014 EX report from AnnualCreditReport and saw how bad the BoA account looked I was thinking chances would be slim. I saw one comment about FIA asking about a BoA account included in BK in 2003 - no way that would still be on a CR in 2014, so FIA must also check FIA/BoA internal data, so I don't think freezing EX and having them pull TU would help. Oh well, I'm doing well enough with lenders not included in my BK - Barclays, Synchrony, local CU & Cap One, so I'll stick with them until those derog IIB accounts fall off the CR in 2017.

Re: Fidelity AMEX - FIA backdoor #

FinStar — Wed, 06 May 2015 02:27:05 GMT

@DaveInAZ wrote:
CreditCuriousity wrote
If BofA was included in your BK I would avoid applying since Fidelity/FIA.. Being FIA is owned by BofA.. I think your chances would be very slim.. Just trying to save you an EX HP. Either way best of luck whatever you choose. They could also pull TU as you saw.
Thanks, I was hoping you would reply with your opinion. When I saw comments in Credit Pulls about FIA asking about denying for a 6 yr. collection I re-checked my 10/2014 EX report from AnnualCreditReport and saw how bad the BoA account looked I was thinking chances would be slim. I saw one comment about FIA asking about a BoA account included in BK in 2003 - no way that would still be on a CR in 2014, so FIA must also check FIA/BoA internal data, so I don't think freezing EX and having them pull TU would help. Oh well, I'm doing well enough with lenders not included in my BK - Barclays, Synchrony, local CU & Cap One, so I'll stick with them until those derog IIB accounts fall off the CR in 2017.

I would definitely wait longer. While BOA/FIA can be forgiving (depends on the losses from their internal records and how long ago - especially if IIB), the longer your BK ages, the more optimal chances for reconsideration since it's likely going to decline based on previous negative history with them (maybe you can plead your case at that point in time whenever you decide to apply). They do tend to be very sensitive to negative items so don't waste the HP just yet as CreditCuriosity mentioned above.

Re: Fidelity AMEX - FIA backdoor #

Jarnog — Wed, 06 May 2015 15:35:46 GMT

@denver133 wrote:
Seems like the numbers we have for FIA are no longer working. Does anyone have this number so I can recon my denial?

Thanks!

Can you PM me the number you used and what you said or anything?

I called the BofA numbers and kept getting transferred to people who didn't understand what I was asking for LOL. New applications, existing customers, checking...I think I went thru the gambit and still nothing.

Thanks!!

Re: Fidelity AMEX - FIA backdoor #

denver133 — Thu, 07 May 2015 12:48:01 GMT

800-655-1491

Said I was calling this number for my Fidelity AMEX application. They transfered me twice.

I went over my income, cash assets, the negatives on my CR, why I had a CO with them in 2002 and was placed on hold for a few more minutes. Still denied. Tried again yesterday and had the same thing happen.

Good luck!

Re: Fidelity AMEX - FIA backdoor #

CreditCuriosity — Thu, 07 May 2015 14:13:55 GMT

oh you have a co with BofA in 2002.. That was the kiss of death there vs. other things on credit report most likely .. Most banks have extremely long memories, some more so than others

Re: Fidelity AMEX - FIA backdoor #

DaveInAZ — Thu, 07 May 2015 14:22:52 GMT

@denver133 wrote:
800-655-1491

Said I was calling this number for my Fidelity AMEX application. They transfered me twice.

I went over my income, cash assets, the negatives on my CR, why I had a CO with them in 2002 and was placed on hold for a few more minutes. Still denied. Tried again yesterday and had the same thing happen.

Good luck!

They asked about a CO with them 13 years ago???? They have a long memory and little forgiveness. I was thinking yesterday - I wonder if opening a secured CC with BoA and after at least 6 mos poz payment history that would paper over past baddies with FIA/BoA? A lot of hassle and we're way past needing a secured card to rebuild credit, but may be worth it to get back in their good graces, and not as bad as having to repay in fulll to get back in with Amex or NFCU.