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Backdoor Numbers

New Contributor

Re: Declined recon - try again?

New CITI number: 1-866-544-9851


Called the number today and went right to an account manager/supervisor. Really nice and easy to deal with!

Message 21 of 388
Regular Contributor


Hey fellow Junkies... Orchard just upped me to $800 from $600, took 2 minutes. Backdoor was easy money.

Transunion 652 | 3/27/09-677 | 5/20-09 -683
Equifax 4/21/08 -609 | 5/4/08-632 | 12/26-08- 651 | 5/5/09 - 652
Experian 4/16/08- 613 | 11/08 - 646 | 3/27/09-673
Message 22 of 388
Established Contributor

Update to "Backdoor Numbers" Thread

Dear Mods,


I found out that the direct line to Wells Fargo underwriting has been changed.  The new number is: 866-412-5957.   


If one of you could please update the thread.



Message 23 of 388
Established Member

Re: Backdoor Numbers (thanks, Sylviatob!!)

Thanks! Called Amex, Discover and Chase! Great news all around!

Message 24 of 388

Re: Backdoor Numbers

Called AmEx Executive Office at 800-297-6197....spoke to a person about my credit card denial and she said I called the wrong place and transferred me back to the people that denied me in the first place. I was denied because my credit cards had no balance on my last annoying. 

Starting Scores: TU 656 EQ 649 EX 643
Current Scores: TU 654 EQ 655 EX 662
Goal: 720 each
Message 25 of 388

Re: Backdoor Numbers

Thank you so much for these useful numbers. Already called my capital one secured credit card and BoA secured accounts number and they are both terrific. You speak with someone in less than 1mn and the customer service is not your typical call center experience.


I will save this thread for future use.

MyFICO Siggy signature
Rome wasn't built in a day so are your finances!
Message 26 of 388

Re: Backdoor Numbers

Does someone have an updated Amazon credit number?
Message 27 of 388
Valued Contributor

Re: Backdoor Numbers

@crissyanj wrote:
Does someone have an updated Amazon credit number?

I'm looking for one too - the number provided in this list is a scammy survey taking business. 


In another thread I found this number for Credit Solutions: 



Message 28 of 388
New Contributor

Re: Backdoor Numbers

@Scamp wrote:

(Kudos and thank you to forum member Sylviatob, who authored the original version of this fabulously helpful thread.)

A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) -these people/departments have decision-making abilities greater than frontline CSR's, they are able to take and review requests for reconsideration of denied cc apps or CLI requests, APR reductions, etc. and implement their decisions.

Backdoor numbers and the people to whom they connect you can be useful in requesting a reduced APR if you feel your credit profile rates a lower one, or in requesting a review of a denied credit application or declined request for a credit limit increase, if you feel your credit profile deserves an approval, but they aren't magic wands - as with anything, your mileage may vary depending on your individual credit profile.

This thread relies on input and feedback from YOU! Smiley Happy If you try a number and find that it is no longer working, that it's a regular, frontline CSR number or other, non-backdoor number, PLEASE PM ME so that I can edit accordingly!

Note: Capital One apparently stopped accepting customer-initiated credit line increase (CLI) requests sometime in 2010, so these numbers won't work for that, at this time. If CapOne starts accepting them again at some point, someone please PM me so I can update this thread again! Thanks. -

Scamp Update:  On 04/12/11, one of our forum members PM'd me that he had called CapOne at 1-800-625-7866 to request a CLI, and said that, after verifying his account information, the CLI was put through without any other questions being asked.  If anyone else has similar success, please PM me. Thanks! - S. Update as of 10/16/11 (confirmed on 03/10/12)  A forum member PM'd me that he/she was told that CapOne is not accepting customer-initiated CLI requests. FYI, all. -Scamp

Thanks to everyone who has PM'd me about dead numbers, new numbers, numbers that turn out to be not true backdoor numbers,etc.!

This thread only works because the whole community helps keep it updated! Smiley Happy

- Scamp

Amazon UW consumer: 1-800-634-8380 - credit: CreditLuv

Amex Collections Dept:  800-921-6490 (people on blacklist can call this number)
AmEx Oasis Program: 888-232-3261
AmEx: 800-567-1083 (App Status - Use with caution if attempting a denied app recon; have been advised by one member that they can only resubmit app with another hard pull)
AmEx: 800-230-1284 (Account Services - handles accounts with issues)
AmEx: 800-700-7619 (Reserves - handles closed and charged-off accounts)
AmEx Executive Office: 800-297-6197
American Express Credit Bureau Unit: 800-874-2717. (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number.)

Barclays: 888-232-0780 (Customer Care)
Barclays: 866-408-4064 (Credit Analyst)

Barclays  866-951-1437 ( 24/7 Underwriting Dept)- jsucool 

Barclays: 18776831400  (Security Dept)

Best Buy: 800-365-0292 (CSR)
Best Buy MasterCard and Citi Credit Card Executive Office 423-477-6858 -CreditAddict 07/2014

BofA:  800-421-2110 – Customer Satisfaction
BofA:  888-991-8222 – Customer Satisfaction
BofA:  866-811-4108  (Credit analyst - existing cardholders) by myjourney 
BofA:  888-503-6090 non working number
BofA:  877-721-9405 (App Status - Choose Option 3)

BofA:  866-811-4108 (Dedicated APR Reduction) credit to B335is

BofA:  800-732-9194
BofA:  888-260-4696 (secured accts.)
BofA:  800-824-5895 (secured & partially secured accts.)
BofA:  800-718-6072 (Credit analyst - for existing cardholders only) Reported as non-functional 6/6/14
BofA:  800-881-4730 (Loan Dept.?)

BofA:  866-618-4585 (Sr Credit Analyst) ~corymcdd88

BofA Credit Dept. Fax: 888-500-6270
BofA/FIA: 888-831-4181
BOFA:866-865-7839 (Recon Department)- no longer working

BofA E/O:  704-386-5687 -heyarnold 08/2014

Bank of America -- Rate Reduction Team (1.800.770.6459) or (800-421-2110) available 8 a.m. to 8 p.m. EST Monday through Thursday, 8 a.m. to 5 p.m. ET Friday, 8 a.m. to 12 p.m. ET Saturday, closed Sunday

BP/Amoco App Status: 800-365-6204

Cap1: 800-625-7866 (Account Specialist)
Cap1: 800-951-6951 (cust. relations)
Cap1: 800-548-4593 (application status - automated only)
Cap1: 800-889-9939 or 800-625-7866.(Account Specialist)
Cap1: 877-513-9959 (Account Retention?)
Cap1: 800-258-9319 (Debt Recovery)
Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst)
Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.)

GM Lending Dept  800-395-2120 - (Analyst) they cannot assist with other Cap 1 CCs -VeganMakePeace

Chase: 800-436-7927 (App status - automated)
Chase: 888-270-2127 (App recon)
Chase: 888-245-0625 (Credit Analyst - Recons)
Chase: 888-622-7547 (Chase Executive Ofc. in IL)
Chase: 800-955-9900 (Product change status questions)
Chase: 888-688-6708 (Chase Credit Dept additional number?, need confirmation, credit to Express)

Chevron/Texaco Biz Card App Status: 888-243-8358
Chevron Cust Service: 800-243-8766

Citi: 888-201-4523 (New App Approval Status)
Citi AA: 888-662-7759
Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453
Citi: 800-444-2568 (Retention Dept.)
Citi: 800-763-9795 (App status?? They ask for your app #)
Citi Credit Bureau Dispute Fax: 866-713-5028
Citi EO: 718-248-6433 No longer active -5/31/14

Citi EO: 866-336-7285 - maiden_girl

Citi: CSR:  301-733-5501 (New App Status) ~ eagle2013

Citi Credit Card Executive Office 423-477-6858 -CreditAddict 


Comenity: 800-303-1368 (Recon) ~ Happychap

Discover: 888-676-3695 (Recon)
Discover: 866-219-0214 (Retention Dept.)

Elan Financial Services: 800-685-7680

ExxonMobil Biz Card: 800-903-9966

FIA: 866-421-8153 (credit analyst) no longer working

FIA: 800-655-1491 for 24 hr automated balance, app status, and payment information.  ~ score_building

FIA: 888-503-6901 (Credit Analyst) ~  codypendant

Fidelity Amex: 1-866-865-7842 (Card Services, 8am- 8pm EST M-F) --Lexie09 no longer working


Fifth Third Bank Phone: 1-800-457-0842 - Select 3 for a CSR (Credit Card Application Status) 


FNBO:  800-444-6220 (UW) ~ gdale6

GE Moneybank (except WalMart): 866-419-4096
GE Moneybank: 866-519-6441 (Credit Analyst/Credit Solutions)
GECRB -Credit Solutions 877-379-8173

GE 937-534-6180 ( Fraud Dept/locked account)

Home Depot Store Card: 800-677-0232 (Credit Analyst)
Home Depot Store Card: 423 467 6957 (App Status/Recon)
Home Depot MC (Commercial): 800-720-0649

Hooters: 801-545-6705, 800-850-4668

HSBC: 866-574-4421 (App Status)
HSBC: 866-551-0258 (Credit Analyst)

HSBC: 866-280-0118 (Executive Resolution Unit)

Juniper: 866-408-4064 (Credit Analyst)
Juniper/Barclays: 866-750-6031 (Corp. Offices)

Key Bank: 888-201-4523 (App status)
Key Bank MC: 800-288-4653
Keybank Credit Research Fax: 216-357-6404

Lowes: 800-445-6937 (App Status)
Lowes: 866-232-7443 (Biz Acct. Underwriting)
Lowes Fraud/Underwriting/Credit Dept.: 800-444-1408

Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa AmEx, credit reporting issues)
Macy's: 800-543-9617 (Recovery Services)

Macy's: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases)

Meijers MC: 801-517-5560


Merrick Bank - CC - 877-790-5648 (newUser0)


Nationwide Visa: 866-757-2720 (App. status)

Philips 66: 866-289-5630, 800-610-1961


PNC: 800-762-0974 (Credit Dept.)


Saks Fifth Avenue: 866-500-7257 (Application Status) - credit: Ron1

Sallie Mae Visa: 877-564-7965 (Credit Dept.)
Sallie Mae Visa: 877-903-7968 (Credit Analyst)

Sam's Club: 800-301-5546, 866-246-4282 (Underwriting)
Sam's Club/WalMart: 877-294-7541 (escalated help desk)

Sears: 800-599-9710 (Comm'l Accts.)
Sears: 866-533-1820 (Sears credit bureau dispute FAX number)

Shell Fleet Card: 800-223-3296 (App status)
Shell: 800-223-3296, 866-438-7435
Shell: 800-377-5150

Staples: 800-767-1291, 800-282-5316

Sunoco Corp. Card: 800-935-3387, 800-278-6626
Sunoco: 800-310-4773

Target:   866-225-7041 ( New accounts, i.e. 7 to 10 day message )


Target Biz Card: 800-440-5317

Tiffany: 800-770-0800


Toyota Financial Visa:  866-865-7757

US Bank: 800-947-1444, 800-685-7680 (Underwriting)
US Bank Corp. & Comm'l Cards: 800-344-5696 (may not be true backdoor number - someone please PM me if this is frontline CS. Thx! - Scamp)
US Bank: 800-308-3648 (Debt Recovery)

Valero: 877-882-5376

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)

WaMu CSR: 800-356-0011, or 800-280-9441
WaMu: 888-687-2273 (Apps/New Accts)

Wells Fargo: 800-967-9521 (credit card underwriting - credit to Brax)

Wells Fargo: 866-412-5956 or 866-412-5957  (UW) per michael_us and Lyythine

Wells Fargo: 866-677-1128 (now Executive Office - credit to Brax)

Wells Fargo Financial National Bank: 866-535-2725 (Executive Office - credit to high-flyer)

Wright Express: 888-743-3893

Hi there! I just got a Cap One CLI by hitting the LUV button - 1K - went from $4000 to $5000. This was a couple days ago. Had the card for 12 months exactly.

Current Scores: EQ 680, TU 698, EX 698 - MyFico
Message 29 of 388
Super Contributor

Re: Backdoor Numbers

Here is the number to verify identity for Comenity:


Account Protection: 





Message 30 of 388
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