app by back door number

[jwright343]

Has anyone ever tried apping by calling the back door number first?  Instead of doing it online and 'possibly' getting a denial and then a recon if necessary.  I imagine if you call and talk to a super nice person and build some rapport, instead of the front line robots with scripts, your chances of approval would increase dramatically.  I didn't find any threads about this so I thought I'd ask. 

[gdale6]

I have never heard of this being done. If I was a backdoor UW I would tell you to apply thru normal channels first, I would not want to be taking your info by phone. UWs are specialists and dont want to be bothered by such small details as taking ones app.

[Anonymous]

I guess the logic would be similar to apping in the bank with a banker vs doing it by yourself. I've been 2 for 2 in banks. plus a little karma as your boosting someones comission

Maybe it's more likely to be approveed because the banker is doing it and not you? And so maybe it helps...

[efranklin23]

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@Anonymous wrote:

I guess the logic would be similar to apping in the bank with a banker vs doing it by yourself. I've been 2 for 2 in banks. plus a little karma as your boosting someones comission

Maybe it's more likely to be approveed because the banker is doing it and not you? And so maybe it helps...

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I have done backdoor a couple of times with CCs. I only recommend this technique only if you have a low score and don't think you'll get the card. The bad thing about it is that you may miss out on the rewards and promtional offers given on other sites.