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.

If you find any of these number incorrect please let us know and see if you can provide an update number
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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: 800-528-4800 (Rate reduction line)
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: 877-683-1400  (Security Dept)

Barclays: 866-205-5973 (credit analyst 24 hours)

Barlcays: 866-408-4064 (credit analyst MAY have limited hours)

Best Buy: 800-365-0292 (CSR)
Best Buy MasterCard and Citi Credit Card Executive Office 423-477-6858 –
BofA:  800-421-2110 – Customer Satisfaction
BofA:  888-991-8222 – Customer Satisfaction
BofA:  866-811-4108  (Credit analyst – existing cardholders)

BofA:  877-721-9405 (App Status – Choose Option 3)

BofA:  866-811-4108 (Dedicated APR Reduction)

BofA:  800-732-9194
BofA:  888-260-4696 (secured accts.)
BofA:  800-824-5895 (secured & partially secured accts.)
BofA:  800-881-4730 (Loan Dept.?)

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

BOFA:888-221-6262 (Recon Department)

BofA Credit Dept. Fax: 888-500-6270
BofA/FIA: 888-831-4181

FIA/Fidelity Amex recon: (888) 221-6262

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

BofA Fraud Monitoring: (877) 833-5617

BofA E/O:  704-386-5687

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: 800-903-9177 (Application Service Group department)
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.)

Cap1: 800-955-1455 (EO)

GM Lending Dept  800-395-2120 – (Analyst) they cannot assist with other Cap 1 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 (Verification department)

Chase  800-278-8830 (Verification/fraud department)

Chase: JP Morgan Priority Services  800-527-7415 8am-7pm-EST

Chase: 800-453-9719 (Business Analyst Recon)

Chase:  888-609-7805 (Credit Card “Lending”)

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 for the Citi Cards division: 605-331-1698 (Open at 9AM CST)

Citi EO: 866-336-7285

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

Citi: 1-800-695-5171 (New App Status appears US Based w decision ability) –

Comenity: 800-303-1368 (Recon)

Comenity Account Protection:  1-866-668-5450 (Verification of identity)

Comenity Account Control: 1-800-888-1726 (Assistance if ID Verification has failed)

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

Elan Financial Services: 800-685-7680

ExxonMobil Biz Card: 800-903-9966

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

FNBO:  800-444-6220 (UW/Credit Reallocations)

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)

Meijer MC: 801-517-5560

Merrick Bank – CC – 877-790-5648

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)

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

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

Synchrony Bank: 1-800-480-0186 (new accounts ID Verification:  Monday-Friday  8AM ET-Midnight 12 ET.)

Corporate Accounts: 1-866-913-4275

Synchrony: (except Walmart): 866-419-4096
Synchrony: 866-519-6441 (Credit Analyst/Credit Solutions)
Credit Solutions 877-379-8173

Synchrony: 937-534-6180 ( Fraud Dept/locked account)

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.

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

Wells Fargo: 866-412-5956 or 866-412-5957  (UW)

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

Wells Fargo Financial National Bank: 866-535-2725 (Executive Office)

Wright Express: 888-743-3893