topic Re: Calling Backdoor Numbers in Credit Cards

Calling Backdoor Numbers

HYPASS33 — Fri, 24 May 2013 15:08:02 GMT

When you call these backdoor numbers for recon, what do you say to them to get the higher limits? Yesterday I called back after being approved trying to get even higher limits and each one told me that once the application is out of pending stage they couldn't increase unless I do another app with a HP and I said NO THANKS!

It will be a while before I come out the garden but just curious as to what you tell them. You act real confident, sound a little nervous are what??

Re: Calling Backdoor Numbers

Anonymous — Fri, 24 May 2013 15:36:50 GMT

Which lender(s) are you referring to?

Re: Calling Backdoor Numbers

Anonymous — Fri, 24 May 2013 15:41:17 GMT

They will look at your cr profile, income and payment history with them to determine if they can override a cl - generally speaking.

If you are borderline then they are going to want to see PYT history with them and unless you are confident that a potential HP will warrant an increase its not a good idea.

Keep in mind the more they look at your app, the more you can cause an adverse action if you are looking credit hungry.

Re: Calling Backdoor Numbers

FinStar — Fri, 24 May 2013 16:52:27 GMT

@Anonymous wrote:
They will look at your cr profile, income and payment history with them to determine if they can override a cl - generally speaking.

If you are borderline then they are going to want to see PYT history with them and unless you are confident that a potential HP will warrant an increase its not a good idea.

Keep in mind the more they look at your app, the more you can cause an adverse action if you are looking credit hungry.

This^^^^

Are you not presently satisfied with your recent credit accomplishments? What's the sudden surge for this credit behavior?

Re: Calling Backdoor Numbers

LS2982 — Fri, 24 May 2013 16:55:18 GMT

@FinStar wrote:
@Anonymous wrote:
They will look at your cr profile, income and payment history with them to determine if they can override a cl - generally speaking.

If you are borderline then they are going to want to see PYT history with them and unless you are confident that a potential HP will warrant an increase its not a good idea.

Keep in mind the more they look at your app, the more you can cause an adverse action if you are looking credit hungry.

This^^^^

Are you not presently satisfied with your recent credit accomplishments? What's the sudden surge for this credit behavior?

I agree as well, the OP is taking things way too fast. Slow and sready is the best route with credit.

Re: Calling Backdoor Numbers

HYPASS33 — Fri, 24 May 2013 17:15:45 GMT

As I said in my post IM DONE but I will continue to ask questions from your experiences to learn for when I do leave the garden. Asking a question doesn't mean someone is gonna go do it, it's to learn which is why I ask and read post.