topic Re: CLI's with Backdoor Numbers in Credit Cards

CLI's with Backdoor Numbers

MsKmm00 — Thu, 28 Feb 2008 20:37:33 GMT

Just expressing frustration and wondering (as a previous poster wrote), "are people just blowing smoke?" I have called the "backdoor" number for Orchard Bank and Capital One. Per the account reps at these numbers, there is no reason to contact them because they have the same offers as front line reps. The systems advises them of any offers (if any) available. They do not have the power or ability to review accounts manually and offer CLI's. Why do board members promote the use of "backdoor" numbers when in reality they are useless?

Re: CLI's with Backdoor Numbers

Anonymous — Thu, 28 Feb 2008 20:55:30 GMT

In Jan. before I even knew there were backdoor numbers I called Orchard about cli's, my apr, and my annual fee. My response was there was nothing they could do for me at this time. Funny thing is 2 weeks later Feb. I found out about backdoor numbers and I called. As a result I have cut my af in half,my apr lower and I got a cli. That was my experience with Orchard.

I also called my Capital One back door number but I never called their customer service line so I can't speak on that.

Re: CLI's with Backdoor Numbers

Anonymous — Thu, 28 Feb 2008 20:59:41 GMT

I have definitely, definitely used both of those back door numbers you describe to my advantage with CLIs. This was after being denied by the front lines by both Orchard and Capital One.

The back door numbers do work, though it seems like it depends on the CSR you get.

Re: CLI's with Backdoor Numbers

MsKmm00 — Thu, 28 Feb 2008 21:16:13 GMT

I am glad you two have encountered different experiences. I did received CLI's (with a fee) from Orchard. Both times the reps asked why I was transferred to them because the front line reps have the same offers ... they do not do anything differently. Capital One advised nothing available and the same line ... they have the exact same offers as front line reps.

I am not disputing that people are receiving CLI's, APR reductions, etc..., however if the front line is empowered to do the same, why push calling the back door?

Message Edited by MsKmm00 on 02-28-2008 04:14 PM

Message Edited by MsKmm00 on 02-28-2008 04:16 PM

Re: CLI's with Backdoor Numbers

Anonymous — Thu, 28 Feb 2008 21:23:44 GMT

you dont have to call, some of us here have had success so it was posted to help others hopefully get satisfaction..alot of times if you call the number on the back of the card you get some one in India. when you call the backdoor # you usually get someone you can understand..

they may not always can give you what you want, but hey it's worth a shot. they have never worked for me but that doesn't mean i'm not going to keep on trying..

good luck!

Re: CLI's with Backdoor Numbers

Anonymous — Thu, 28 Feb 2008 21:27:21 GMT

Every time I tried to get a CLI through Capital One at the front door I was shot down. They always said there was nothing they can do. The same day I found the back door number and was instantly approved. I really don't think they get the same offers, or, maybe the front door people are not allowed to deviate from the script like with HSBC.

Anyone else have thoughts on this?

Re: CLI's with Backdoor Numbers

MsKmm00 — Thu, 28 Feb 2008 21:28:33 GMT

I am not trying to be negative by any means. If people are using them to get a native English speaker ... cool. My point is, there seems to be the misconception that they can do more for you. I have called two to three times per month since December and have received the same response: we can't do any more for you (including a manual review) than the front line reps. Both lines have the same abilities.

Message Edited by MsKmm00 on 02-28-2008 04:28 PM

Re: CLI's with Backdoor Numbers

MsKmm00 — Thu, 28 Feb 2008 21:33:27 GMT

@Anonymous wrote:
Every time I tried to get a CLI through Capital One at the front door I was shot down. They always said there was nothing they can do. The same day I found the back door number and was instantly approved. I really don't think they get the same offers, or, maybe the front door people are not allowed to deviate from the script like with HSBC.

Anyone else have thoughts on this?

Capital One is who prompted my post today. Just got off the phone with a rep. Asked her to look at my 3-year history (no late pays, have pif'd a few times, no Over Limits, pay more than mimimum. etc ...). She stated everything is handled by marketing department. They load the offers available (if any). Asked can I speak to someone or request to have my account reviewed by them. She advised they don't take calls, don't know when or how they review, etc ... She agreed the status of my account should enable to have a CLI, however there was absolutely NOTHING she could do.

Re: CLI's with Backdoor Numbers

LuvsRetro — Thu, 28 Feb 2008 21:39:56 GMT

Mind if I ask which number you used?

Re: CLI's with Backdoor Numbers

Anonymous — Thu, 28 Feb 2008 21:46:59 GMT

I ONLY call the back door numbers on any cc I have. I disagree. The frontline csr's don't have the authority that the CSR specialists have. Besides, I get so much good info from the CSR specialists that the frontline reps just do not have access to.

Example, and true story: I called and spoke to a Cap1 frontline csr(using the number on the back of my cc) last year, asking for a cli. Declined. I called back using the backdoor number that I learned of a few days later. Visited with the CSR for 10 minutes, and they gave me $500 cli on 2 of my Cap1 cards.

Re: CLI's with Backdoor Numbers

MsKmm00 — Thu, 28 Feb 2008 22:45:17 GMT

@teamfico wrote:
Mind if I ask which number you used?

800-889-9939

Re: CLI's with Backdoor Numbers

Anonymous — Fri, 29 Feb 2008 01:11:03 GMT

No wonder, try this one.....1-877-513-9959....They have given me 3 in less than 3 months....

Re: CLI's with Backdoor Numbers

Anonymous — Fri, 29 Feb 2008 07:24:19 GMT

@Anonymous wrote:
No wonder, try this one.....1-877-513-9959....They have given me 3 in less than 3 months....

Why do you say "no wonder"? The first one is the number that so many people have reported success with. I will try this new number tomorrow because the first one has shot me down each time I called but I'd like to hear an opinion from someone here on the difference.

Re: CLI's with Backdoor Numbers

MsKmm00 — Fri, 29 Feb 2008 13:18:05 GMT

@Anonymous wrote:

@Anonymous wrote:
No wonder, try this one.....1-877-513-9959....They have given me 3 in less than 3 months....

Why do you say "no wonder"? The first one is the number that so many people have reported success with. I will try this new number tomorrow because the first one has shot me down each time I called but I'd like to hear an opinion from someone here on the difference.

I was going to say the same. I have never seen the 877-513-9959 number referenced in the forum, just the one I used.

Re: CLI's with Backdoor Numbers

Anonymous — Fri, 29 Feb 2008 13:20:40 GMT

@Anonymous wrote:

@Anonymous wrote:
No wonder, try this one.....1-877-513-9959....They have given me 3 in less than 3 months....

Why do you say "no wonder"? The first one is the number that so many people have reported success with. I will try this new number tomorrow because the first one has shot me down each time I called but I'd like to hear an opinion from someone here on the difference.

Right, others here have gotten cli's from that number..I was pointing out that some time ago the other number came on the scene and has done me and some others wonder..Personally, the first number never done anything for me..I guess it is a YMMV situation..

Re: CLI's with Backdoor Numbers

Anonymous — Fri, 29 Feb 2008 13:22:11 GMT

Umm...maybe it was over at CreditBoards...However, the number has worked.....

Re: CLI's with Backdoor Numbers

MsKmm00 — Fri, 29 Feb 2008 13:29:05 GMT

I do appreciate the info. I am over trying to ask for CLI's now (my feelings are hurt). I will try this number in a month and see what happens.

Re: CLI's with Backdoor Numbers

wmarat — Fri, 29 Feb 2008 13:38:27 GMT

MsKmm00 wrote:
I am not trying to be negative by any means. If people are using them to get a native English speaker ... cool. My point is, there seems to be the misconception that they can do more for you. I have called two to three times per month since December and have received the same response: we can't do any more for you (including a manual review) than the front line reps. Both lines have the same abilities.

Message Edited by MsKmm00 on 02-28-2008 04:28 PM

You are negative by any means.

This is not the first time when such discriminating "opinions" appear on this board, which makes me bery sad.

Hopefully my English is understandable.

Re: CLI's with Backdoor Numbers

MsKmm00 — Fri, 29 Feb 2008 13:43:15 GMT

I apologize if I offended you in any way. I was repeating what someone said earlier in the post. However, that being said, there are some definite communication issues when dealing with companies who have placed their call centers overseas. That is the reality of the situation - nothing discriminatory. It also falls in the reverse - those who speak English as a second, third or fourth language may also have trouble understanding us because we speak more quickly.

Again my sincere apologies.

Re: CLI's with Backdoor Numbers

Anonymous — Fri, 29 Feb 2008 14:07:08 GMT

Consider your credit report and charge/payment information as well as your income and the thousand other factors that are involved in making a decision about how credit worthy you are as your individual tea leaves.

Today your Tea Leaves say "Geeze, it's looking like your a better risk than you were yesterday"

The front line CSR's simply aren't as good or experienced at reading your Tea Leaves.

The back door CSR's generally have been doing the job longer, have a bit more authority, and more experience in reading your Tea Leaves.

Now comes the call to the back door. The Back Door rep sees the same thing the front door rep sees. But the back door rep also sees that your taking less sugar in your tea then you used to, and thats a pretty good indicator that you've lowered your risk for diabetes, and that makes you a better risk for paying back another 500.00 on your credit line.

Woo Hoo the back door rep gives you a CLI.

5 minutes later feeling all puffed up cause you got a positive result for the small amount of work involved in calling a different number you try again with the next card.

Again another call to a back door number and another more experienced CSR.

However this time the CSR notices that even tho your using less sugar in your tea you have also changed from Chai to Lipton, and the sodium content is triple. So while your risk for diabetes has been reduced your chances of dropping dead of a stroke caused by higher blood pressure have increased and therefore your not quite as good a risk as you were last week when you called them.

No luv for you.

The moral of the story..... Just because it didn't work for you yet doesn't mean it won't work in the future, and just because it works for someone else every time doesn't mean it'll work for you ever.

It's just another tool in the toolbox from people who are trying to help you out by giving you as much information as they can.

There are so many factors involved in deciding wether or not, and how much and what type of credit to give anyone that it's impossible to make a blanket statement that something works everytime. It's a combination of efforts that improve your credit picture.

Keep trying, and just because one way does not work for you at this moment in time does not mean it won't in the future.

Forgive the long winded post. I hope you get what I am trying to say here.

Van