本帖最后由 philipsea 于 2014-1-7 20:41 编辑
写在前面：原帖内容转自myFICO论坛， 感谢原作者Scamp以及初始贡献者Slyviatob。原作者创建此帖于2009年，理论上他与一众网友保持更新至2013年12月17日。例如本人上周亲测Chase的0625号码依旧可用。但如存在出入或者号码过期也属正常现象，此类差错切勿开喷。
所谓“后门电话”也就是部分银行/信用卡/服务机构设置的允许你直接跳过那些某些时间会显得很废柴的公众客服热线号码而直接与Credit Analyst/Credit Department/Account Managers/Account Specialist等连线通话的BUG号码。接听这些电话的专员通常会拥有比热线客服更高的权限等级，能够直接处理例如信用卡被拒的重新审核(Credit Card Application Reconsideration)，信用卡提额请求(Credit Line Increase, a.k.a. CLI)，降低APR请求等。
关于何时使用：“后门电话”也并非有打有通过的BUG存在，负责接线的也并非是神。通常情况下需要打后门电话是因为你有理由以及证据来显示自己完全有资格使用你申请了但是被拒绝的服务/产品，你在电话中所提供的附加信息及理由将帮助相关人员更好地发现那些只通过他们定期抽取的部门报告无法展示出来但却可以帮助你通过申请的有利客观事实条件。（考过GRE的都稍微找找类似于Argument的感觉）
切勿滥用：之所以很多服务机构选择让客户网申是因为这样极大程度地减轻了他们的工作量。而后门电话的存在，道义上是比如让90%被拒掉的人里被冤枉的那10%重振雄风。只有当拨打这个电话的客户真的通过附加理由让机构发现其价值而成为真正意义上的客户时，后门电话的存在价值才体现出来。尽量不要根本没把握也递交了申请想着反正不管怎样我都会打这个电话去扯淡的，这样的行为只能最终扼杀这种后门号码，以及背景比较杯具的就不要再让别人告诉你一次你是杯具了，这样很伤身的。
那么复制粘贴重头戏如下：
AMEX Oasis Program: 888-232-3261 AMEX: 800-567-1083 (Application Status - Use with caution if attempting a denied application reconsider; 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 Executive Office: 800-297-6197 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)
Best Buy: 800-365-0292 (CSR) Best Buy App Status: 800-811-7276 Best Buy Store Card: 800-305-0533
BofA: 800-421-2110 – Customer Satisfaction BofA: 888-991-8222 – Customer Satisfaction BofA: 866-811-4108 (Credit analyst - existing cardholders) BofA: 888-503-6090 BofA: 877-721-9405 (Application Status - Choose Option 3) BofA: 800-732-9194 BofA: 888-260-4696 (secured accts.) BofA: 800-824-5895 (secured & partially secured accts.) BofA: 800-718-6072 (Credit analyst - for existing cardholders only) BofA: 800-881-4730 (Loan Dept.?) BofA Credit Dept. Fax: 888-500-6270 BofA/FIA: 888-831-4181 BOFA: 866-865-7839 (Reconsider Department)
BP/Amoco App Status: 800-365-6204
CapitalOne: 800-625-7866 (Account Specialist) CapitalOne: 800-951-6951 (cust. relations) CapitalOne: 800-548-4593 (application status - automated only) CapitalOne: 800-889-9939 or 800-625-7866.(Account Specialist) CapitalOne: 877-513-9959 (Account Retention?) CapitalOne: 800-258-9319 (Debt Recovery) CapitalOne: Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst) CapitalOne: 800-707-0489 (Senior Escalation Account Mgrs.)
P.S. 原帖作者表示CapitalOne貌似在2012年3月之后就不再接受由用户主动发起的CLI请求？
Chase: 800-436-7927 (Application status - automated) Chase: 888-270-2127 (Application reconsider) Chase: 888-245-0625 (Credit Analyst - Reconsider) Chase: 888-622-7547 (Chase Executive Ofc. in IL) Chase: 800-955-9900 (Product change status questions) Chase: 888-688-6708 (Chase Credit Dept additional number?, need confirmation, credit to Express)
Chevron/Texaco Biz Card App Status: 888-243-8358 Chevron Underwriting: 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 (Application status?? They ask for your app#) Citi Credit Bureau Dispute Fax: 866-713-5028 Citi EO: 718-248-6433
Discover: 888-676-3695 (Reconsider) Discover: 866-219-0214 (Retention Dept.)
Elan Financial Services: 800-685-7680
ExxonMobil Biz Card: 800-903-9966
FIA: 866-421-8153 (credit analyst)
Fidelity Amex: 1-866-865-7842 (Card Services, 8am- 8pm EST M-F)
GE Moneybank (except WalMart): 866-419-4096 GE Moneybank: 866-519-6441 (Credit Analyst/Credit Solutions) GECRB -Credit Solutions 877-379-8173
Home Depot Store Card: 800-677-0232 (Credit Analyst) Home Depot Store Card: 423 467 6957 (Application Status/Reconsider) Home Depot MC (Commercial): 800-720-0649
Hooters: 801-545-6705, 800-850-4668 (为什么这种大胸妹子店也需要后门电话？)
HSBC: 866-574-4421 (Application 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 (Application status) Key Bank MC: 800-288-4653 Keybank Credit Research Fax: 216-357-6404
Lowes: 800-445-6937 (Application 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)
Meijers MC: 801-517-5560
Nationwide Visa: 866-757-2720 (Application status)
Philips 66: 866-289-5630, 800-610-1961 PNC: 800-762-0974 (Credit Dept.)
Sallie Mae Visa: 877-564-7965 (Credit Dept.) Sallie Mae Visa: 877-903-7968 (Credit Analyst)
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 (Application 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) US Bank Corp. & Comm'l Cards: 800-344-5696 (may not be true backdoor number) 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 (Application/New Accts)
Wells Fargo: 800-967-9521 (credit card underwriting - credit to Brax) Wells Fargo: 866-677-1128 (now Executive Office - credit to Brax)
Wells Fargo Financial National Bank: 866-535-2725 (Executive Office - credit to high-flyer)
Wright Express: 888-743-3893
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发表于 2014-1-3 13:24:03
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