Why are backdoor numbers so successful

[mjnierva23]

I'm pretty new to these forums but I feel every other thread I read is about some1 being denied for a new card or CLI then calling for a recon and a miraculous approval. So my question is what makes calling these backdoor numbers so successful for every1. Why not just approve them the first time around  

[djc1puno]

First i think that instant approvals are done by computers...there are things that computers cant take into account such as auto and home inqs...all it sees is the number of inqs as compared to a human analyst that actually sees those inqs and counts them as one. Going to the backdoor usually means the uw department so you skip all the front line csrs who may not be as knowlegable and less powerful.

[Anonymous]

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@mjnierva23 wrote:

I'm pretty new to these forums but I feel every other thread I read is about some1 being denied for a new card or CLI then calling for a recon and a miraculous approval. So my question is what makes calling these backdoor numbers so successful for every1. Why not just approve them the first time around  

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It doesn't work ever time, but it is worth a shot if you really need to get a credit line increase or balance transfer

[mjnierva23]

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@Anonymous wrote:

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@mjnierva23 wrote:

I'm pretty new to these forums but I feel every other thread I read is about some1 being denied for a new card or CLI then calling for a recon and a miraculous approval. So my question is what makes calling these backdoor numbers so successful for every1. Why not just approve them the first time around  

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It doesn't work ever time, but it is worth a shot if you really need to get a credit line increase or balance transfer

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I know its not a guarantee but I read more often than not it works

[myjourney]

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@djc1puno wrote:
First i think that instant approvals are done by computers...there are things that computers cant take into account such as auto and home inqs...all it sees is the number of inqs as compared to a human analyst that actually sees those inqs and counts them as one. Going to the backdoor usually means the uw department so you skip all the front line csrs who may not be as knowlegable and less powerful.

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+1

[thom02099]

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@mjnierva23 wrote:

I'm pretty new to these forums but I feel every other thread I read is about some1 being denied for a new card or CLI then calling for a recon and a miraculous approval. So my question is what makes calling these backdoor numbers so successful for every1. Why not just approve them the first time around  

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You get to talk to a real person, plead your case, exchange friendly banter, suck up to them about how great their card is and BINGO!  Ya gots a new card/CLI ! ! !  Sometimes.  It doesn't always work, but as you stated, lots of folks have been successful.

[jeffery581]

http://www.nbcnews.com/business/fed-consumers-email-bomb-execs-get-results-6C10867946

Fed-up consumers 'email bomb' execs, get results

[Odiseous]

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@mjnierva23 wrote:

I'm pretty new to these forums but I feel every other thread I read is about some1 being denied for a new card or CLI then calling for a recon and a miraculous approval. So my question is what makes calling these backdoor numbers so successful for every1. Why not just approve them the first time around  

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Backdoor numbers are direct lines to people that are empowered to make decisions on behalf of the company, that the normal CSRs aren't allowed to do. Many companies have ways to directly to the "next level" of support. You just have to know how to skip the frontline CSRs.

Consider Technical Support, for your computer, ISP, etc.. Unless it's a small Mom&Pop business, there is usually a "Tier 2" (or whatever the company calls it). These are people that have been around long enough, to prove their worth for a promotion. They are often granted additional decision making authority, that the "Tier 1" support CSRs do not have the authority to make (such as not charging you for the call, if warranted).

The same basic concept applies here. Backdoor numbers get you directly to "Tier 2" CSRs, that are less likely to be limited to things like, reading a script, no authority to override decisions, etc.

[mjnierva23]

I understand all of this I just don't understand why there is a denial in the first place if it only takes 1 phone call and a little kissing up to reverse that. I feel that cc companies should better review applicants than stick to their decision

[FinStar]

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@mjnierva23 wrote:
I understand all of this I just don't understand why there is a denial in the first place if it only takes 1 phone call and a little kissing up to reverse that. I feel that cc companies should better review applicants than stick to their decision

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The declined decisions are system-driven and based on a number of different factors.  Over the years, lenders have evolved and adopted more sophisticated instant-credit delivery platforms which ultimately minimize losses, reduce the number of poor lending (manual) decisions, and retains and adequate staff who manually takes/reviews applications.  Plus, not everyone that applies is supposed to be approved and this is where some of the U/W channels come into place to re-review the original decision.  An item to keep in mind, the number of folks who frequent these forums (or other sites) represent a very small fraction of applicants who have access to these resources.  Most folks who get a declined letter just take the decision at face value.  Those who call back get an explanation that is already on the letter.  Some individuals don't take rejection all too well - it's human nature.

But, just because you plead your case (or kiss up as you mention), it will not always translate into a "miracle" or approval - often times even some individuals will call and call and call (up to 5 times or more) to see if someone can reverse the original decsion - sometimes it works, other times it doesn't.  Some lenders are more flexible others more conservative.  Plus, underwriters have discretion to determine whether you are a good/moderate risk to be elegible for their product to make such exception.  Additonally, just because an individual gets approved, it doesn't translate into a happy dance for some.  If the lender makes a judgemental decision, that individual may likely not get the most favorable terms (high APR, low CL, etc).