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You too may get your Disco on, after all?

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 far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions. I can continuously update this first post with the latest information if everyone will post to this thread. I'll make the change and acknowledge. We deeply appreciate your participation. Amazon (store card): see Synchrony (GE) AMEX: (Oasis Program) AMEX: 866-314-0237 (new app status) AMEX: 800-582-6471 (recon with frozen EX for pin) AMEX Business charge cards - (877) 399-3083 AMEX 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) BBVA Compass Bank: (American Express Card issues only) 866-246-2924 Best Buy: 877-420-0001 Best Buy: 888-908-9890 (Credit Analyst, existing accounts only) BofA: 866-866-2059 (Direct to US-based CSR) BofA: 888-500-6270 (Credit Dept. Fax) BofA Business: 800-442-1043 Cap1: 800-625-7866 (Account Specialist) Cap1: 800-951-6951 (cust. relations) Cap1: 800-548-4593 (application department; status) Cap1: 800-889-9939, 800-625-7866 (Account Specialist) Cap1: 877-513-9959 (Account Retention?) Cap1: 800-258-9319 (Debt Recovery) Cap1: 866-280-0118, 800-955-1455 (EO) (Nerfed in general) Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst) Chase: 800-432-3117 (App status) Chase Executive Office 800-242-7399 Chase Personal CC Recon 888-270-2127 Chase Business CC Recon 800-453-9719 Chase: 800-453-9719 (Business card lending) Chase Lending - 888-609-7805 (Credit Analysts) Chase: 800-242-7399 Chase: 800-955-9900 (Product change status questions) Chase: 888-298-5623 (Consolidation - M-F 8am-10pm EST) Chevron/Texaco Biz Card App Status: 888-243-8358 Citi: 800-645-7240, 800-288-4653 (Citi Business) Citi: 800-750-7453 (Business) Citi 888-201-4523 (Personal) Citi: 718-248-0847 (EO) Citi: 800-695-5171 (New Accounts UW) Citi: 605-331-1698 (EO - CC division) Citi Credit Bureau Dispute Fax: 866-713-5028 Comenity: 800-303-1368 (Consumer Relations - Recon) Discover: 888-676-3695 (New Accounts) Discover: 866-305-7691 (Direct Line TO CS) Discover: 866-222-0536 (EO) Elan: 800-364-9648 (CC underwriting, business and personal) Equifax: 800-846-5279 (Direct to Rep) Equifax Executive Office 404-885-8000 Experian: 800-493-1058, 800-208-9232 (9AM-5PM ET, need report number from EX) ExxonMobil Biz Card: 800-903-9966 FIA: See Elan FNBO: 800-444-6220 GEMB: 877-294-7541 (escalated help desk) Haverty's/Sync: 800-333-1082 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 Home Depot: 800-685-6691 (Commercial) 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 Key Bank Credit Research Fax: 216-357-6400 Lowes: see Synchrony (GE) Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues) Macy's: 800-543-9617 (Recovery Services) Marvel: see Synchrony (GE) Meijers MC: 801-517-5560 National City: 800-762-0974 (Credit Dept.) Nationwide Visa: 866-757-2720 (App. status) Nordstrom: 800-964-1800 (CLI) 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 PNC Bank: 800-762-2117 (Business CC) PNC Bank: 877-562-0150 (Business UW) Sam's Club: 800-301-5546 (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 Synchrony (GE): 800-240-0512, 800-480-0205 (Biz) Synchrony (GE): 800-588-4290 (Consumer) Synchrony (GE): 877-379-8175 (Sr UW) Synchrony (GE): 888-885-6937 (Verification) Synchrony (GE): 800-333-1082 (Haverty's) Synchrony (GE): 866-519-6441 (Marvel CC, Sr UW) Target Biz Card: 800-440-5317 Tiffany: 800-770-0800 Transunion: (312) 466-7719 (Corporate Office Resolution Team Voicemail) Transunion: (610) 546-4600 (Corporate Office, need extension or last name to search directory) USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist) US Bank: 800-685-7680 (Underwriting) US Bank Secured Platinum: 800-344-5696 (underwriters for secured product) Valero: 877-882-5376 Walmart (Sync): 877-379-8175 (Sr UW) Walmart (Sync): 877-969-5302 (Verification) Wells Fargo: 866-677-1128 (CC Executive Office) Wells Fargo: 844-576-6424 (Executive Office) Wells Fargo: 877-514-3717 (Amex Propel Credit Svcs) Wells Fargo: 844-879-4824 (Direct # for Product Change Credit Svcs) Wright Express: 888-743-3893

OCCU is so amateur that they take pull your credit when you apply for a credit card, then reject you for not being a member. Couldn't they check their membership records first? http://creditboards.com/forums/index.php?showtopic=524066&p=4977008

I got some help previously about opening new accounts, but I was curious more about the impact and possible ramifications. I only have 1 credit card in my name, and it only reports on Experian and TransUnion. The rest are AU cards. I have 8 accounts on Experian and TransUnion and AAoA of about 21 years. My Equifax report is a bit thinner. I pulled CCT, and I'm at 777 EX, 782 TU, and 789 EQ. I have been thinking about about a PenFed credit card and an AMEX revolver. I also may be cosigning a small student loan. I'm not certain on this yet, but it's a possibility. I know that this will cause a score hit of some sort (drop in AA), but I'm not sure how severe. I was thinking about forgoing PenFed and just doing AMEX, but I can't make up my mind. Can anyone give me some insight? I would like to avoid permanently damaging my report in some way. I don't know if 2 cards in such a short time is too much. I appreciate any help.

I recently have been working on getting my credit score higher and also want to have $100k in available credit (maybe a dumb thing to do). In doing so I have gotten about 6 new credit cards in the past 6 months. All of them have zero balance, about $30000 in available credit, I recently noticed my equifax dropped 16 points. I assume this is from the inquiries and new accounts? avg account age is 2yrs 8 months. Should I close any of the new accounts to increase my credit age? Or just be patient and wait for the accounts to age and the inquiries to age. I am looking to buy a car next year, and maybe refinance my mortgage, and really want a 750+ score before I do so

Post 'em! Here's to a rewarding 2018.

I'm looking for input on what cards to app for. My bk7 is off of my EQ and EX, and should be off TU any day now. I'm trying to accomplish several things with this app spree. 1. Maximize my rewards on my spending. 2. Establish/reestablish positive relationships with lenders that may be of benefit me in the future. 3. Broaden my base of cards so that, once these are aged, getting a new card here or there will have little to no impact on my AAoA. I am planning to nearly double my current number of credit cards(10). This will hurt my scores significantly in the short term, but should make my credit more solid over time. Cards I currently have: Fidelity Rewards Chase Freedom Discover IT USAA Rewards Amex Wells Fargo Cash Back NFCU Platinum Barclay Rewards Penfed Platinum Rewards State Department Platinum Rewards Quicksilver My list of cards that I am considering, with purposes in parentheses: Citi Double Cash (reestablish a relationship with Citi while giving me another 2% option) US Bank Cash+ (5% categories) Amex BCE (3% at supermarkets) BOA Cash Rewards (3% category) Amazon Prime Rewards Visa (5% at Amazon) Capital One Savor One (3% on dining and entertainment) (I am already getting 3% on dining with my USAA Rewards Amex, so this one may not be worth my interest) State Department Cashback Rewards Plus (another 2% card with no redemption hoops, plus cell phone protection, extended warranty, CDW, trip cancellation) USAA Cashback Rewards Plus Amex (5% cashback on gas) Chase Freedom Unlimited (Considering this one only for the $150 bonus and to get another Chase card before I go over the 5/24. I really don't see any use for it otherwise. The Freedom Card which I already have is their only card that seems particularly useful to me) ETA: Looking at the Chase Ink Business Cash (5% categories +$500 bonus) I'm just wondering what potential issues there are with using a business card for personal expenses? I would appreciate any suggestions of other cards that may be useful, or input on the usefulness of cards I am already considering.

First, thank you Credit Boards. It has been a long road for me. Not proud of my previous credit history, I messed up with most of the big financial guys and for pretty large amounts (60k plus in cc debt) around the same time as many on this board in 2008-2009. Including a 300k foreclosure. I never did file a BK. I was only sued once. I have learned valuable lessons through all of this. Today I did my first app spree, decent cards. I applied for only what I wanted and some of these were on my list of charge offs way back when. Low initial limits here, but hopefully will see some CLI in the future with minimal use and PIF. Any advice or comments for anything I did or didn't do is always appreciated. Barclay Arrival Plus - got 30 day notice, immediately called and got a credit analyst who was very helpful had questions on why I only had 2 years of revolver history and started me at $3,000 Citi Double Cash - $2,000 automatic approval from letter in mail. I burned citi for probably 20k back in 2009 so not blacklisted anymore I guess AMEX Gold Card - got 50,000 points with $1,000 spend in first 3 months automatic approval AMEX Blue Every Day Cash - $1,700 limit automatic approval BOA Cash Rewards - $2,000 limit automatic approval I foreclosed on 300k home in 2009 they were the mortgage holder but I don't think they would know that when applying for a card, just using it as a data point for someone else maybe. DISCOVER IT - $6,500 limit. Had them pull TU while on customer chat. EQ is froze and so there was an initial problem with an approval they were happy to pull whatever I wanted on the chat. Chase CSP- got 30 day notice, had several cards pre-qualified for on their site and am a current long term banking customer. I did default on a cc with them in 2009, but they never cancelled my banking accounts. Not really holding out hope but will call Monday or go into the branch. I have 2 other revolvers both capital one $3,800 Platnium and $4,000 QS1. They are both a little over 2 years old. I have gotten decent CLI for both over the last couple of years and will continue to do so. Started with credit steps at $300 limits. I have no toy cards, only toy limits as you can see with what I got approved today. But at least it's a start back in with the better banks. Again thank you CB

Hello, I have 8 credit cards right now. total avail credit line is $6650. Looking to grow Came from high 500s to just a tad over 700 in a little over two years. Kindly read on , please read on, if interested!!!! (This stuff gets me jazzed up, lol and feels good!) Id like to increase the number of cards/lower credit utilization and get some sign on bonuses, by adding some top shelf credit cards and CLIs Below are my scores, after BK7 was discharged on 3/2016 CREDIT KARMA 8.4.2018. Shows 714 from Trans Union. Experian National Equivalency Score or vantage score 3.0.... Experian on CREDIT KARMA shows 696 CREDIT SESAME shows 719 on 8.1.2018 CAPITAL ONE shows ..VANTAGE SCORE 3.0 710 on 8.01.2018 on Trans Union Info DISCOVER shows 665. 7-21-2018 fico score 8 from trans union (I do need to figure out difference between FAKO, vantage score 3.0, credit karma and credit sesame, and FICO score 8 which I am figuring is the one lenders trust most...still learning and reading) I have 2 car loans with NFCU at 6.69 percent at 60 months... 8500 used car and 23000 on a refinance of Capital One auto loan that was 10.9 percent! Yay! Lower rate and monthly payment. 🙂 Also I have a secured personal loan with NFCU balance at 2700 HERE ARE MY REVOLVIN CREDIT CARDS Capital one. 500. Balance zero secured TD bank 900. Balance zero secured The following are unsecured Capital one QS. 500. Balance zero Credit 1. 900. Balance zero Target. 200. Balance zero NFCU 2000. Balance zero Open Sky 200. Balance zero Discover 1450 balance 1430 My plan is to cancel the Credit One and the Open Sky , as they are low level cards. Then, ask for CLIs on the Capital One cards and the NFCU master card Open new NFCU visa Premier Open Walmart Card Open Amazon Card Open Amex Card Open new Capital 1 QS and Platinum Cards Considering BOA and Wells Fargo cards as well Would like to get a Marriot Rewards or SPG card before they combine in late August. I hesistate with these due to involvment with Chase. I did have Chase after me from a card not paid long ago....put it was finally paid to a CA (i know bad move.... I didnt know how to contact Chase via mail, every time I called they transfered me to CA. I should get docs of PIF from CA, they owe me that) So, before I go on an APP SPREE, wanted to ask here if I should go for A) App everything above, or just little by little. (NFCU and Cap 1 CLIs, and Walmart Card hopefully getting high limit) Thoughts? Thank you, and yes the plans and path I have been following so far, although not perfect, was thanks to you folks. A year ago I was at 625 and below, and could not get NFCU car loans. Now, credit life is much better! Looking forward to continued growth! Thanks! credit-credit

Has anyone gotten one yet? Sent from my iPhone using Tapatalk

Need easiest to get credit cards with a 754 fico (transunion), followed by the more difficult to get CC's and so on: Goal is to get as many credit cards as possible with the highest credit limits possible. Stipulations: 1) Must have no annual fee. 2) Only non-secured cards/cards that do not require a deposit. 3) We want the cards with the highest credit limit, but will take anything. 4) Store cards/gas cards etc. ok. The reason why i want the easiest to get first, followed by the more difficult and so on is i don't want to waste inquires on cards that i'm less likely to get.

Link: https://www.petalcard.com/ It's been popping up in my Facebook feed. It has no annual fee and isn't a secured card but looks to be open for individuals with lower credit scores since you give them login information to your bank account. They can then keep tabs over there in approving and maintaining your account. Of course if you open a credit card, let's say with Bank of America, and you already have your primary checking account with them, they already know what's going on over there. I have no plans on applying but it could be an option for others.

So I was approved and opened a CapOne Secured back in Feb, $849 deposit for 1k limit (max allowed). The first statement cut 3/15. I have two questions: I would like to get the QS1 card and I've been waiting the 6 months to apply as people have mentioned. Do we know if its 6 months from the date opened, or is it after the 6th statement has been cut? Next question: Does anyone have an idea of which FICO scoring model they use when applying? Reason being is my FICO scores vary a lot between the different FICO models (as we all are aware) For example here are a few of mine: FICO 08's: EQ 623; TU 602; EX 586 FICO 5/4/2: EQ 575; TU 514; EX 546 FICO Bankcard 8 : EQ 620, EQ 580; EX 567 FICO Bankcard 5/4/2: EQ 574, TU 488; EX 489 My derogs are a few old CO, all past SOL except one (Discover) making my UTI looking crazy high; and 1 PRA collection (past SOL). The good is I have 3 secured cards all showing zero bal and perfect history (opensky open 1.5yrs; CapOne 6mo, Citi 6mo); Auto Loan open 1 yr; PenFed secured loan hack open 1.5 yrs. As always I'm super appreciative of any input. Grateful for everyone's contributions to CB. Thanks.

I've just recently joined both credit unions. My goal is to pad my high utilization and eventually use their balance transfer offers if it makes sense to do that. Credit is about 685 and utilization is about 85%. I don't have any inquiries for a couple years so don't want to do any hard pulls. Which of their products only use soft pulls? I've read conflicting info. How should I go about using both these CUs? Since I just joined, I figured I would wait at least a few months to do anything and then I was hoping to apply for any of their products that only require soft pulls, if they have any. When I'm ready to do a hard pull next year, I was going to apply for CLOC and CC cards from both CUs but not sure if that would mean 4 hard pulls or only 2. And not sure if I should do them the same month.

I had been receiving offers in the mail from U.S. Bank for the past year but I just blew them off even though they are my main bank and they are just down the street. Also, because I hear that they are conservative and offer low limits. So I was using the US Bank pre-selected site this weekend even though I knew even my FAKO's were still not good (my best was EQ with about a 640). I sent off my information and it gave me a screen with three pre-approved cards, the FlexperksSelect+ AMEX, Cash+ Visa Signature, and the Visa Platinum. All were listed with a fixed interest rate offers at 19%. Middle of the road I guess according to their web site. I was excited, but this happen to me before with Citi and I was ultimately denied. So, I said what they heck I haven't applied for anything in a while as I am trying to get my scores up. I asked to do balance transfers from my high interest Cap1 card and clicked submit where I got the 7-10 day notice. I also stepped on over to PSECU and figured if I was going to blow a couple inquiries I may as well do it on the same day and see what they have to say too. I again assume that they are conservative with collections based upon the reviews here. So today I get an email from US Bank saying I was approved. Woohoo! Now I assumed it was just going to be for about $500 as this is what I consider my first retail bank card in a decade. So I call to see if they can tell me what my limit is and see if I can get that balance transfer for 0% started. This wouldn't cover the Cap1 balance but every penny counts. So I am of course asking the rep the details and she says I was approved at 18%. Cool, that's nice it came down a point. Then she tells me the limit...flippin $7500.00. Inside I was pretty happy. So now I can balance transfer everything to the 0% til 12/31/19. So I hear from PSECU today and they too approve me for another $3500.00. This was a good weekend, my utilization just got better as I ended up with over 10k additional credit this weekend. I don't know how this happen but I am thankful.

Wells fargo personal LOC 20k approved! Wohoo! Anybody with any experience with Wells fargo LOC?

I think I made a mistake applied for Pen Fed Bank account and they did a hard pull.Is this a big mistake or not to bad.Got the account Thanks

My younger brother is a senior in college and now that he’s facing the adult world when he graduates next year, he’s looking to start getting his credit in order. He has one student Chase card that he got a couple years back, but ideally he’s looking to app for a mix of some regular, albeit no annual fee, cards. He has tax returns for 2016 and 2017, but they only show a few thousand in gross income from when he worked at a bar over the Summer. Would it be worth it for him to apply for non-student cards with such a low income, or should he app for the student cards exclusively in the hopes of having them converted in the future?

Within the next two weeks (give or take a few days), I'll be relocating from NYC to Las Vegas for a new job. Gross salary increase is ~25K. Right now my credit is okay (TU FICO 8 is 769 as of 7/27). Before some balances hit because of the relocation, I'd like to take advantage of it. namely a car, which is almost require there, and a liability here. I've been window shopping at Carmax and am pretty much set with what I want, so I'm tempted to start the pre-qualify process through them, but I'm wondering if it would be a mistake to represent my life a couple of weeks ahead of reality. I have several thousand in cash at the moment (yes, I am historically irresponsible) and I will be getting roughly another $15K after separating from my current job, but I'm not keen on paying down card balances a lot until I can cover the down payment and whatever other necessities that pop up with the cash. also I realize Carmax may not be the ideal financer so I'm open to suggestions but I must confess I've never bought a car before and I also need to hit the ground running so I may be vulnerable to quick decisions.

Has anyone applied for financing/lease with direct Capital for Apple products? If so, how long did it take to get approved and what did your credit file look like? Thank you in advance for your insight!

Hi Folks! looking for a small personal loan around $5,000 based on scores alone. No income verification. Anybody have any advice? My scores are around 740. I could probably just do a BOA deposit from my card and then just pay it off before the term for zero interest, but not sure that's a great idea? It's for a camper. Want to pay half and finance half from private seller not a dealership. Don't want to have to verify income.

Thanks to this board, I got in with NFCU just over one year ago. I was told to be patient, and my measly $1,700 Cash Rewards approval became $5,000 less than six months later. Two months ago, I was approved for a $7,000 Platinum card. Through all of this, I have been denied 3-4 times for a CLOC. Never a counteroffer. I never understood why. Never a problem with any of my accounts--I cherish those puppies! A few months ago, I even switched my direct deposit, making Navy Federal my primary account. Was still denied! Yesterday, I decided to call and try for a CLOC. I was asked how much I wanted and I said I didn't know (!), "10,000?" Guy says apply for what you want but I wouldn't apply for more than I expect to use. So I panicked and changed it to $5,000. Instant approval. Now, I 'm kicking myself wishing I'd asked for $10k. Should I call on Monday and ask for increase? What would my argument be? Truthfully, I have little intention of using the CLOC. But the utilization buffer would be a big help. And you never know! Any suggestions?

Hi all...I just moved to Charlotte, anyone know of any good credit unions around here? I saw something about the state union credit union but I don’t come anywhere close to meeting their requirements. thanks

https://www.doctorofcredit.com/the-amex-offers-multi-tab-trick-is-dead/?utm_source=dlvr.it&utm_medium=facebook

It has been more then 91 days since I have asked for a cli on my wifes Amex but she just got a $3k boost in her cl yesterday. My question is can I and should I ask for 3x ($25k max) cli as well?