topic Re: Which Backdoor Number for Exxon/Mobil MC? in Credit Cards

Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 17:19:36 GMT

What number should I call for the Exxon/Mobile MC?

Should I call the CITI application status or the Exxon Business #?

(this post was split off from the Backdoor Numbers thread. -Scamp)

Message Edited by Scamp on 02-16-2009 09:19 AM

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 17:42:20 GMT

called the number and they said it was DECLINED?

They reported something talking about my revolving account and CC balances.

First off, I don't even have a CC.

Second, my revolving account is at $578

Third, All I have are student loans and 2 other accounts

I talked with the lady and she said it was declined and for me to fax in the credit report copy. I don't get why I was declined for this. People get accepted with much lower scores. My EQ is 672.

Only other information I can see is it doesn't list an employer on my report and also I live at a different address than what it states. I will be moving this week actually and getting a new job as well.

Please help?

Re: Which Backdoor Number for Exxon/Mobil MC?

llecs — Mon, 16 Feb 2009 18:00:25 GMT

CCs are revolving accounts. Did you mean installment? You don't have any CCs now, right?

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:10:58 GMT

Yeah that is what I mean.

My revolving accts- Zales and Dell- total of $578- total av. credit= almost 3,000

My installments are my student loans- 107,000. I just graduated so I have not started paying them yet.

That is all I have with a EQ score of 672.

Why was I declined? She said something on revolving accounts but I told her I have 578 in balances and that was it. Said to fax in a copy of my report because she said they sometimes receive mis information from the bearue.

What is going on? If I am not accepted for a fricken gas card then what is going on?

I also am a AU I believe on my dad's Citi card that he has excellent credit and PIF every month.

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:18:08 GMT

They are backed by Citi, and if you look on the forums, several of us have been declined by them for strange reasons this week.

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:20:34 GMT

That is true. The only other thing I can think of is my CR states a different address and no employer.

I graduated college in December and start a job in March. Also, address is new and have not loved there yet.

But they did not mention anything about that.

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:32:01 GMT

Did they offer you the regular Exxon/Mobile?

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:32:33 GMT

Also,

If I call again and ask do they pull another inquiry?

If I call the backdoor # and they ask for SS#, ADDRESS, ETC... is it another hard pull or no?

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:33:11 GMT

No,

They didn't offer me anything

I am thinking of calling again and gettting a 100% response.

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:37:00 GMT

I called Citi four times today, got four different CRS's (how good were those odds!), and all four said no. I might try again tomorrow. But you can only have Lucy pull the football away so many times before you quit trying to kick it.

It might be easier to get the regular card. Then after some time upgrade?.

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:37:49 GMT

I have 8 accounts w/ balances

1 zales

1 dell

6 student loans (1 for each year and 2 others)

What is funny is the Dell account is actually CITI Financial services. I have had the account since September 2008 with no lates at all. Nothing bad on that account.

There is also a CITI cc that shows on my report from 2007. I am thinking this one is my dad's where I beleive I am a AU. He has excellent credit and PIF every month.

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:39:05 GMT

Did they pull your report every time?

If I call again will it be another inquiry?

What # did you call?

I called 888-201-4523

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:44:19 GMT

@Anonymous wrote:
Did they pull your report every time?

If I call again will it be another inquiry?

What # did you call?

I called 888-201-4523

That was the same number I called. Maybe because we tried today. My guess is they are mad because everyone else in the bank got today off. I am going to try again tomorrow. I don't think they pull another report on a recon.

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 18:54:53 GMT

@Anonymous wrote:
Also,

If I call again and ask do they pull another inquiry?

If I call the backdoor # and they ask for SS#, ADDRESS, ETC... is it another hard pull or no?

Another hard pull is not worth it there basically just gonna be looking at the same information. If you can't get them to recon with the first pull i would just take it at a lost an move on.

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 19:14:19 GMT

I called and talked with another rep.

They said it was declined for revolving accounts. I was shocked and explianed everything. They said to apply for the gas card.

Then I told them I have a CITI cc with them that I don't even remember applying for. Has $0 balance and never even got in the mail. Never used. CL of $3,500. I spoke with someone regarding that card and they told me it was the MTVU card for students. Apparantly I got the card when in college. Anyways, I gave them my address and they are re-sending the card with another # on it. I won't use that card because I am no longer in college but they said I could transfer that card to another one.

I should be getting the cc in the next week. When I get it, should I try and convert it to the EXXON/MOBILE MC?

The other rep said I may have been declined because I have a CC with them already that has not been used.

Any help

Thanks

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 19:59:26 GMT

craig-

the acct with dell is NOT citi..it's CIT who does dell and bill me later and fingerhut..so it's not CITI..but CIT I know it's very close and can be confusing!

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 20:00:08 GMT

Any advice on converting? Maybe I will get approved for the Exxon

Thanks

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Mon, 16 Feb 2009 20:02:40 GMT

I have never converted a citi card so I wouldnt be much help there..but you may want to pull up the citi website and compare what card offers what and try to get one that matches the most closely with what you want like rewards etc..but most companies let you product switch though..

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Tue, 17 Feb 2009 14:25:48 GMT

I looked and they pulled EQ.

I am wondering if I was declined because they first said that the information may be incorrect and to mail in a copy of my report. Well, after looking at my CR on Equifax my last name is spelled wrong! Maybe this could be the reason?

I am waiting for my MTVU card to come in the mail and then hopefully I am able to convert that to the EXXON/MOBILE. The MTVU card has never been used and has a CL of $3,500.

Any help?

Re: Which Backdoor Number for Exxon/Mobil MC?

Anonymous — Tue, 17 Feb 2009 16:27:15 GMT

@Anonymous wrote:
I looked and they pulled EQ.

I am wondering if I was declined because they first said that the information may be incorrect and to mail in a copy of my report. Well, after looking at my CR on Equifax my last name is spelled wrong! Maybe this could be the reason?

I am waiting for my MTVU card to come in the mail and then hopefully I am able to convert that to the EXXON/MOBILE. The MTVU card has never been used and has a CL of $3,500.

Any help?

I think they have some illiterates working there because my first name is spelled wrong. I have tried for well over a year to get them to change the spelling too, even using the MyFICO dispute letter I printed and mailed them. No luck. But maybe you are on to something. The two CC's that pulled EQ for me in California denied me right away. No waiting period, no nothing.