Using Backdoor Credit Card Numbers are a great way to establish a working relationship with a credit card company after they have declined you for credit. Make sure you use the backdoor credit card numbers when contacting regular customer service fails.
Note: If you came here SPECIFICALLY for AmEx, I have been adding them as soon as I locate new ones.
ADDITIONAL NOTE: The MyFico forum has an excellent thread about backdoor numbers that is often updated by their vibrant community. I recommend checking there as well.
If you need credit repair, check our our entirely free credit repair guide (new for 2022!)
This list is fairly outdated at this time but there should be some good numbers here for you. Please check out some of our newer content that can help you on your credit repair journey!
An Incomplete List of Backdoor Credit Card Numbers:
- 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 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: 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: 866-421-8153 (Credit analyst – existing cardholders)
- BofA: 888-503-6090
- BofA: 877-721-9405 (App 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
- BP/Amoco App Status: 800-365-6204
- Cap1: 800-625-7866 (Account Specialist)
- Cap1: 800-951-6951 (cust. relations)
- 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.)
- 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)
- 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 (App status?? They ask for your app #)
- Citi Credit Bureau Dispute Fax: 866-713-5028
- Discover: 888-676-3695 (Recon)
- Discover: 866-219-0214 (Retention Dept.)
- Elan Financial Services: 800-685-7680
- ExxonMobil Biz Card: 800-903-9966
- FIA: 866-421-8153 (credit analyst)
- FIA: 800-893-6032 (credit analyst; 8 AM-7 PM Eastern, M-F)
- GE Moneybank (except WalMart): 866-419-4096
- GE Moneybank: 866-519-6441 (Credit Analyst/Credit Solutions)
- 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
- 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)
- Meijers MC: 801-517-5560
- National City: 800-762-0974 (Credit Dept.)
- Nationwide Visa: 866-757-2720 (App. status)
- Philips 66: 866-289-5630, 800-610-1961
- 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 (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)
- US Bank Corp. & Comm’l Cards: 800-344-5696 (may not be true backdoor number – someone please PM me if this is frontline CS. Thx! – Scamp)
- 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: 866 677 1128 (credit analyst)
- Wright Express: 888-743-3893
This article was last updated on August 31, 2022