Not approved for that credit card or looking to get your APR lowered? Talk to the decision makers.

secret doorI ran across an interesting thread last night over at myfico.com in which people were discussing how they were able to get approvals for cards they were originally declined for as well as getting their interest rates dropped on their credit cards immediately by going around the customer service reps and speaking directly with the decision makers. They referred to the list of phone numbers as “backdoor numbers,” the numbers of the credit analysts and or other key decision makers within the major credit and banking organizations. By calling these people directly you can potentially avoid the sometimes long waits associated with working with customer service departments and or awaiting a response back by mail. Below is a list of “backdoor” phone numbers by company, if you have any more to add please do so in the comments below, and please let me know if a number is no longer in service so I can remove it.

AmEx Oasis Program: 888-232-3261

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 than your card number.)

Barclays/Juniper: 866-750-6031 (Corp. Offices)
Best Buy: 888-237-8289 (customer care)
Best Buy: 800-365-0292 (CSR)
Best Buy App Status: 800-811-7276
Best Buy Store Card: 800-305-0533
BofA Acquisition Dept.: 888-645-6733 (new app recon)
BofA: 800-732-9194
BofA: 800-421-2110 (product change, poss. for cli)
BofA: 888-260-4696 (secured accts.)
BofA: 800.824.5895 (secured & partially secured accts.)
BofA: 800-718-6072 (Credit analyst)
BofA: 800-881-4730 (Loan Dept.?)
BofA: 866-226-8225 (Recon)
BofA Credit Dept. Fax: 888-500-6270
BofA/FIA: 888-831-4181; 866-421-8071 (Credit analyst)
FIA: 866-421-8153 (credit analyst)
BP/Amoco App Status: 800-365-6204
Cap1: 800-625-7866 (Account Specialist)
Cap1: 800-951-6951 (cust. relations)
Cap1: 800-548-4593 (application department; status)
Cap1: 800-889-9939 or 800-625-7866.(Account Specialist)
Cap1: 877-513-9959 (Account Retention?)
Cap1: 800-427-9458 (Fraud department. They take ALL calls seriously!)
Cap1: 800-258-9319 (Debt Recovery)
Chase: 800-432-3117 (App status)
Chase: 888-270-2127 (App recon)
Chase: 877-781-3109 (combining & product change)
Chase: 888-245-0625 (Credit Analyst – Recons)
Chase: 800-945-2004 (WaMu CC Prod. Change) <— (as of 09/02/09, some have posted that PCing former WaMu cards is no longer possible, so YMMV)
Chase: 888-622-7547 (Chase Executive Ofc. in IL)
Chevron/Texaco Biz Card App Status: 888-243-8358
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: 866-927-7841
Citi: 800-763-9795 (Credit Dept.)
Citi Credit Bureau Dispute Fax: 866-713-5028
Discover: 888-676-3695 (Recon)
Discover: 800-347-2911 (Retention Dept.)
ExxonMobil Biz Card: 800-903-9966
FIA: 866-421-8153 (credit analyst)
GEMB: 877-294-7541 (escalated help desk)
Home Depot MC (Commercial): 800-720-0649
Hooters: 801-545-6705, 800-850-4668
HSBC: 866-574-4421 (App Status)
HSBC: 866-719-3897 (Credit Analyst?)
JC Penney: 800-542-0800
Juniper: 866-408-4064 (Credit Analyst)
Juniper/Barclays: 866-750-6031 (Corp. Offices)
Key Bank: 888-201-4523 (App status)
Key Bank: 800-254-2737
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/UW: 800-444-1408
Macy’s: 800-627-2909 (Credit Dept. – new credit, inquiries on upgrade to Visa, credit reporting issues)
Macy’s: 800-543-9617 (Recovery Services)
Meijers MC: 801-517-5560
National City: 800-762-0974 (Credit Dept.)
Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR’s. If this happens and you don’t speak Spanish, either try again later or try saying “Habla ingles?” or “Ingles, por favor” to let them know you’re an English-speaker).
Philips 66: 866-289-5630, 800-610-1961
Sam’s Club: 800-301-5546, 866-246-4282 (Underwriting)
Sears: 800-599-9710 (App status)
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 Biz Card: 800-440-5317
Tiffany: 800-770-0800
US Bank: 800-947-1444, 800-685-7680 (Underwriting)
Valero: 877-882-5376
Wal-Mart: 800-301-5546
Wal-Mart Underwriting: 877-294-7548
Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096
WaMu CSR: 800-356-0011, or 800-280-9441
WaMu: 888-687-2273 (Apps/New Accts)
WFNNB: 614-729-5000
Wright Express: 888-743-3893

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5 Comment

  1. […] more here:  Not approved for that credit card or looking to get your APR … Categories: Calling Cards Tags: card-or-looking, chase, credit, credit-analyst, […]

  2. Colin says:

    Go to http://www.gethuman.com for loads of numbers similar to this!

  3. FinanceDad says:

    Thanks for the tip!

  4. If you have been with a credit company for several years it may give you some ground on which you can barter and get the interest rate lowered a little bit.

  5. You’re right Ellen, thanks for the comment.

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