topic Re: Credit card company on the phone in General Credit Topics

Credit card company on the phone

XclusiveOne — Wed, 13 Jul 2022 22:30:12 GMT

So I am wondering if there is credit card companys that will approve me on the phone most times I get denied online is there any with better odds when I call if so which ones and what are the phone numbers.

I do have credit cards but most are annual fee credit like cap one, merrick bank,milestone,fortive and target

most my cards are very low CL and been working on my credit for 16 months now with all ontime payment

Re: Credit card company on the phone

righthererightnow — Wed, 13 Jul 2022 22:41:45 GMT

Do a site search here for 'recon' numbers, reconsideration contacts, and 'backdoor' numbers. Those are the ones you'll need to access people.

Also contact the credit card companies that you already have cards with.. sometimes they will product-switch/product-change you to better cards after a period of positive payment (capital one did this for me).

As to odds, I'm not sure which is better. But.. at least you're trying.

Re: Credit card company on the phone

SouthJamaica — Thu, 14 Jul 2022 12:36:53 GMT

@XclusiveOne wrote:
So I am wondering if there is credit card companys that will approve me on the phone most times I get denied online is there any with better odds when I call if so which ones and what are the phone numbers.
I do have credit cards but most are annual fee credit like cap one, merrick bank,milestone,fortive and target
most my cards are very low CL and been working on my credit for 16 months now with all ontime payment

My suggestion is that you start looking into credit unions, and join a good credit union.

Also you should stop making applications without a plan.

You should give us a rundown of what you've got now, with limits and balances, and let us know your scores, and we can try to come up with a strategy.

Re: Credit card company on the phone

FireMedic1 — Thu, 14 Jul 2022 13:12:01 GMT

Welcome @XclusiveOne

Whatever happened before the rebuild may be a crutch at the moment. Like @SouthJamaica posted. List out the accounts. You can add any baddies and maybe theres a way to clean them up at the same time.

Re: Credit card company on the phone

XclusiveOne — Thu, 14 Jul 2022 15:13:24 GMT

Credit cards I have

target red card 300

myfortiva 400

milestone 700

merrick bank 550

quicksilver 300

cabelas club 300

my scores are between 550 to 595

I did burn a few credit company back in 2015 and 2016 so I haven't fully recovered from that, I am also being sued at the moment by a debt collector need to go to small claims court

i have been doing all my ontime payments for 15 months now but doesn't seem to be doing any better for my credit score I have not got 1 CL from any of my cards

Re: Credit card company on the phone

XclusiveOne — Thu, 14 Jul 2022 15:15:08 GMT

Which credit union would be a good choice to look into?

Re: Credit card company on the phone

SouthJamaica — Thu, 14 Jul 2022 21:53:05 GMT

@XclusiveOne wrote:
Which credit union would be a good choice to look into?

I would look for credit unions which are restricted to your geographical area, or to people who work in a certain employment group or industry that includes you. Those types of restricted credit unions are the best ones to get in with.

Pick out a few that look nice, and seem to have good products, and then email them and ask them if they do a hard pull for membership.

If they don't HP for membership, apply for membership and a savings account.

Re: Credit card company on the phone

SouthJamaica — Thu, 14 Jul 2022 21:57:24 GMT

@XclusiveOne wrote:
Credit cards I have
target red card 300
myfortiva 400
milestone 700
merrick bank 550
quicksilver 300
cabelas club 300
my scores are between 550 to 595
I did burn a few credit company back in 2015 and 2016 so I haven't fully recovered from that, I am also being sued at the moment by a debt collector need to go to small claims court
i have been doing all my ontime payments for 15 months now but doesn't seem to be doing any better for my credit score I have not got 1 CL from any of my cards

Right now I wouldn't apply for anything other than the credit union membership. I would just try to manage the revolving accounts that you have so that

-capital one reports a $20 balance each month before you pay it off, and

-the others report zero balances

And I would send verification letters to the credit bureaus, to try to get the negatives dropped.