topic Re: Backdoor and reconsider?????? in Credit Cards

Backdoor and reconsider??????

Anonymous — Sat, 27 Dec 2008 01:41:20 GMT

OK, this is going to be a real newbie question here so get ready.

What exactly is a backdoor number. I gather it's a way to ask for reconsideration when turned down initially, right? And if so, how exactly do you ask for reconsideration?

Any response would be helpful. thank you.

Re: Backdoor and reconsider??????

Equinox — Sat, 27 Dec 2008 01:57:20 GMT

Backdoor numbers are generally used for getting in contact with people within the credit card company that have more authority to make changes on your account/reconsiderations/credit line increases/APR reductions.

Re: Backdoor and reconsider??????

Anonymous — Sat, 27 Dec 2008 02:01:52 GMT

Great, so what is the proper verbage to use when asking for a reconsideration? Is there a proper way to ask? Thank You.

Re: Backdoor and reconsider??????

Anonymous — Mon, 29 Dec 2008 22:23:12 GMT

I'm guessing there's no special way to ask...if so I'd like to know myself.

Re: Backdoor and reconsider??????

Scamp — Mon, 29 Dec 2008 22:29:11 GMT

dizbuster wrote:
Great, so what is the proper verbage to use when asking for a reconsideration? Is there a proper way to ask? Thank You.

It varies depending on the situation you're calling about - is it a reconsideration for an app for a new card, a CLI request a new or existing account, an APR reduction...?

Re: Backdoor and reconsider??????

Anonymous — Mon, 29 Dec 2008 23:01:43 GMT

Just for your information, I just asked for a cli last weekend, on a Chase credit card, and she put it the computer, and credit was increased from 4k to 5k. I said I wanted more than that, and she said call back monday and ask for the lending department.

I called back monday, and merely said I wanted a higher CLI, she said how much, I said, as much as I can get. She said I had to give a figure: I said 10K. She said hold on, she'd have an analyst look at it. She came back on a minute or two later and said my limit was increased to 10k.

I gave no reason, other than I wanted it, and they gave no reason, they just granted it.

Interesting, since this is at a time that CL's are supposed to be decreasing, and I think I have used the card twice since I received it two years ago, always PIF.

Re: Backdoor and reconsider??????

Anonymous — Tue, 30 Dec 2008 09:04:48 GMT

The reason I ask the question is because I was turned down for a Hooters cc. I have read other posts that have stated they called the backdoor # and asked for a reconsideration and where approved. I thought maybe I would give it a try and see what happens. My current fico scores are 630, 629, 590. There probably not high enough yet though.

Re: Backdoor and reconsider??????

Scamp — Tue, 30 Dec 2008 13:54:36 GMT

dizbuster wrote:
The reason I ask the question is because I was turned down for a Hooters cc. I have read other posts that have stated they called the backdoor # and asked for a reconsideration and where approved. I thought maybe I would give it a try and see what happens. My current fico scores are 630, 629, 590. There probably not high enough yet though.

Unfortunately, I suspect you'll be right about your scores, especially nowadays, but the call to recon is worth a try.

When you call, just tell them you were denied and are calling to request reconsideration of your app - be prepared to answer their questions about whatever's on your reports that has your scores down. If you have their denial letter already that cites their reasons for turning you down, be prepared to explain or counter those issues. If you have recent baddies, it'll be tough going, but if they're a bit back and you've 'been good' since, emphasize that.

Good luck!

Re: Backdoor and reconsider??????

Anonymous — Tue, 30 Dec 2008 19:23:36 GMT

Thanks Scamp,

I think I will pay down some cards first and try again sometime this summer. My most recent baddie was about a year ago with no lates for about four years now. I have been approved for many new accounts in the last few months mostly store cards though, I wanted a Visa or MasterCard. Thanks for your response I at least know what to expect now. thank you

Re: Backdoor and reconsider??????

Scamp — Tue, 30 Dec 2008 20:14:34 GMT

dizbuster wrote:
Thanks Scamp,
I think I will pay down some cards first and try again sometime this summer. My most recent baddie was about a year ago with no lates for about four years now. I have been approved for many new accounts in the last few months mostly store cards though, I wanted a Visa or MasterCard. Thanks for your response I at least know what to expect now. thank you

You're welcome. Happy to help.

However, on the waiting thing, if you go ahead and do that (which does sound like it might be best), you might want to wait until some of your inqs for these new accounts and the new accounts themselves have turned at least a year old; the inqs stop hurting your score at that point, and the new accounts stop dinging your score for being 'new', so if all else stays the same or gets better (paying down balances), you should see an additional bump-up in your scores as those anniversaries hit.

Re: Backdoor and reconsider?????? SUCCESS!!!!!!!

tbrowne34 — Tue, 26 Jan 2010 18:05:51 GMT

I apped for Virgin America Barclays card and was denied, an email was sent explaining that I had too many recent inquiries, insufficient credit history, and a recently opened account. My eq fico is 656 , my TU was about 670 last month (this is what they pulled -with 10 inquiries) I called the backdoor number four times to get through to a human being, he asked me how I got the number it was the wrong department, however, he would transfer me to credit. When I spoke to credit department I explained I wa living overseas and thats why my credit history was short (1 yr 7 months) AAoA of 7months. He asked me again about income 110k p/yr. and other credit card balances and approved me with a cl of $2500!

HSBC cash or fly no fee 3,000 cl

Cabelas $2500 cl

Kay Jewelers 3000cl

Macys $1100 up from starting cl $300 last July 09

Bloomingdales $500cl just a $100 increase from start October 09 $400cl

Amazon store card $1200 cl started in December 09

I'm Happy to say I closed my first premier card yesterday ( which was the first card I got 1yr 7months ago) I now have all no fee cards! - but it was useful and worth the fees in as much as it accomplished what I needed to establish credit again.

Re: Backdoor and reconsider??????

ACL42st — Wed, 02 Apr 2014 18:39:08 GMT

I might be in the wrong place but what is the actual number you dial for walmart backdoor. I know it is a shot in the dark but just want to hear what theyu say. Thanks

Re: Backdoor and reconsider??????

VirusCredit13 — Wed, 02 Apr 2014 18:43:10 GMT

@ACL42st wrote:
I might be in the wrong place but what is the actual number you dial for walmart backdoor. I know it is a shot in the dark but just want to hear what theyu say. Thanks

As this thread is 6 years old, yeah the wrong place.

http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbersu/td-p/408066

That would be right place.

As for number you requested:

Wal-Mart: 800-480-0205 (personal accounts)
Wal-Mart: 800-301-5546 (commercial accounts only)
Wal-Mart Underwriting: 877-294-7548; 877-294-8770
WalMart/Sam's Club: 877-294-7541 (escalated help desk)

Re: Backdoor and reconsider??????

ACL42st — Wed, 02 Apr 2014 22:40:10 GMT

So for Walmart just call the personal card number? What is the Walmart underwriting numbers about? Thanks