US Bank: 800-308-3648 (Debt Recovery) information. Elan Financial Services: 800-685-7680 Sam’s Club/WalMart: 877-294-7541 (escalated help desk) Wal-Mart: 800-480-0205 (personal accounts) If you discover a new phone number, or would like to report one that is not working below, please email us or tweet us @CardInsider. Backdoor number or reconsideration line is a non-public (or semi-public) bank customer service phone. For synchrony Bank Press J to jump to the feed. Citi Credit Bureau Dispute Fax: 866-713-5028 I’ve had lots of card applications approved even after they were initially listed as pending or denied. These numbers will help you get in touch with customer service reps as well as credit analysts and underwriters at a variety of issuers. Reconsideration Line If your U.S. Bank credit card application is declined, you can reach out to its underwriting department at 800-947-1444. Cap1: 800-625-7866 (Account Specialist) Juniper: 866-408-4064 (Credit Analyst) silent and xfers to credit – Pizza1 But you’ll have to call the Barclays reconsideration line (866-408-4064) to get this done. The applicant can fill in some files online or get a banker in the bank branch. Most of the bank card provides that seem on the web site are from bank card corporations from which ThePointsGuy.com receives compensation. Key Bank does not have a direct line to the reconsideration department. The program is free and any United States resident Juniper/Barclays: 866-750-6031 (Corp. Offices) Synchrony: 937-534-6180 ( Fraud Dept/locked account) EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. Synchrony Bank: 1-800-480-0186 (new accounts ID Vertification: Monday-Friday PayPal Identity verification: 888-361-0687 – abnormalspring WaMu CSR: 800-356-0011, or 800-280-9441 Cap1: 800-951-6951 (cust. Re: Backdoor Number for Synchrony Bank- Recon Help Thanks for the ideas. -CreditAddict 07/2014 Click the 'Return to CreditOneBank.com' button to return to the previous page or click 'Continue' to proceed to the third-party website. BP/Amoco App Status: 800-365-6204 You can call the customer service number at 1-800-539-9056 and ask for your application to be reconsidered. It is important to pay them in full and on time. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. Chase: 800-955-9900 (Product change status questions) US Bank: 800-947-1444, 800-685-7680 (Underwriting) Keybank Credit Research Fax: 216-357-6404 BofA: BofA Biz UW 1-888-770-6635 – willpepplin ExxonMobil Biz Card: 800-903-9966 Synchrony Bank: I received a credit denial letter from GE CRB... A Synchrony Bank customer review by GetHuman user ~iahaveabumbrother from November 20th, 2017 GetHuman: So how would you sum up your experience for GetHuman's Synchrony Bank customer community? report, which is different from your card number.) 8AM ET-Midnight 12 ET.) Citi: 888-201-4523 (New App Approval Status) Thx! ~score_building But you can often argue this point via the reconsideration line to get approved. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. Cap1: 800-889-9939 or 800-625-7866. © 2020 - Who Is Julio Medina? Have a Game Plan If you already have several cards from one issuer, they are more likely to give you a new card but not necessarily grant you more credit. Macy’s: 800-477-2167 ( Credit Account Specialist, reconsideration and limit Reconsideration (Personal): 888 … BofA: 866-618-4585 (Sr Credit Analyst) ~corymcdd88 Chevron Cust Service: 800-243-8766 Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Wells Fargo: 866-677-1128 (now Executive Office) ~Brax Just some guy on the interwebs. Underwriting) Chase: 1-888-270-2127 (Analyst) ~Credit_hawk Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Synchrony: 866-664-2315 (Fraud/Verification/New Accounts ) ~nihao A list of these issuers can be found on our Editorial Guidelines. Content is accurate to the best of our knowledge when it's published. Citi EO for the Citi Cards division: 605-331-1698 (Open at 9AM CST) ~popamode72 Bottom line If your credit card application is denied, it might not be the final answer. Fifth Third Bank Phone: 1-800-457-0842 – Select 3 for a CSR (Credit Card Home Depot Store Card: 423 467 6957 (App Status/Recon) Nationwide Visa: 866-757-2720 (App. Advertiser relationships do not affect card evaluations. But if you think you were close to meeting the issuer's criteria, call its customer service line and ask for a reconsideration. Begging and pleading with customer service not getting you anywhere except front row seats to … Lorem ipsum dolor sit amet, consectetur adipiscing elit, A VPN is an essential component of IT security, whether you’re just starting a business or are already up and running. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has not reviewed all available credit card offers in the marketplace. General Card Services: 888-232-0780. Credit Line Questions: 866-408-4064. But if you can’t do that or need a different number, you can find other options here. BP Business Solutions gas card- (877)-463-1632 (credit dept; M-F/8-5) Stay Click “View More >” to browse the full list. Credit Card Insider receives compensation from some credit card issuers as advertisers. Learn more in our Editorial Guidelines. Key Bank MC: 800-288-4653 Click edit button to change this text. The Ultamate Rewards card is not a credit card. Chase: 800-945-2000 (App status with option to speak to rep.) ~SGTtar – someone please PM me if this is frontline CS. Comenity Account Protection: 1-866-668-5450 (Verification of identity) ~Ron1 Macy’s: 800-543-9617 (Recovery Services) Most business interactions and transactions happen online and VPN. ET Saturday, closed Sunday Chase: 888-622-7547 (Chase Executive Ofc. Valero: 877-882-5376 Staples: 800-767-1291, 800-282-5316 WaMu: 888-687-2273 (Apps/New Accts) Shell: 800-377-5150 Tell us what information is wrong and why you think it is wrong. Chase: JP Morgan Priority Services 800-527-7415 8am-7pm-EST ~Btino858 Application Status)  Wal-Mart: 800-301-5546 (commercial accounts only) Citi AA: 888-662-7759 1. Sunoco: 800-310-4773 Synchrony Bank: 1-800-480-0186 (new accounts ID Vertification: Monday-Friday 8AM ET-Midnight 12 ET.) Sears: 866-533-1820 (Sears credit bureau dispute FAX number) failed) – MRsolis  AmEx: 800-230-1284 (Account Services – handles accounts with issues) Customers can also file a dispute through PayPal Credit’s bank, Synchrony Bank. Synchrony: (except WalMart): 866-419-4096 They ask for your app #) : 800-444-1408 Chase 800-278-8830 (Verification/fraud deparment) ~LuckyFico Credit Card Insider and CardRatings may receive a commission from card issuers. For specific credit line questions, try the dedicated number. GM Lending Dept 800-395-2120 – (Analyst) they cannot assist with other Cap 1 Commerce Bank Consumer Loan Underwriting Dept: 800-446-7766 – Jfriend33 Target: 866-225-7041 ( New accounts, i.e. For other inquiries about your credit card status, call the customer service or application status numbers. BofA: 800-732-9194 Citi Retail Banking EO: 866-336-7285 ~maiden_girl (updated 7/2018 to include By dialing this number, you can reach the personnel in charge of verify credit card directly to reveal your application status and ask for reconsideration after been rejected. Credit Card Insider and CardRatings may receive a commission from card issuers. – new credit, inquiries on upgrade to Visa If you have a copy of the credit report that includes the wrong information, send us a copy. The issuer provides product-specific support numbers for every card, but there are too many to list here, so we’ve included a few of the most popular below. Do you have a correction, tip, or suggestion for a new post? HSBC: 866-551-0258 (Credit Analyst) IncrsCreditScore Citi: CSR: 301-733-5501 (New App Status) ~eagle2013 Read this for help picking your first card and find out what to expect when you apply. Wells Fargo Financial National Bank: 866-535-2725 (Executive Office). Synchrony Credit Solutions: 877-379-8173 (Overseas) To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. Calling The Bank of America Credit Card Reconsideration Line If you’ve been denied, you can call the personal reconsideration line at 800-354-0401 (alternatively, you can call the general customer service line at 1-800-732-9194 or use the mailing address below). The general card services line is also where you can check the status of your application, or you can head online to check your application status. Content is not provided or commissioned by any credit card issuers. Lowes: 866-232-7443 (Biz Acct. U.S. Bank offers separate support hotlines for most cards it issues. Discover: 888-676-3695 (Recon) report before calling. Cap1: 877-513-9959 (Account Retention?) Barclays: 800-308-6008 (New Apps) – CramEiko Know your history with the bank: Make sure you know all the cards you currently have open with the bank whose reconsideration line you are calling, when you opened them, and any issues (hopefully no late payments or 4. HSBC: 866-574-4421 (App Status) CCs -VeganMakePeace Sears: 800-599-9710 (Comm’l Accts.) TD Bank You cannot check your application status online with TD Bank. Philips 66: 866-289-5630, 800-610-1961 BofA: 800-824-5895 (secured & partially secured accts.) “If you file a dispute through Synchrony Bank that is subsequently approved, the transaction is no longer covered under PayPal purchase protection,” Bass says. Also, you should know that being an authorized user will count toward your 5/24 in most cases. Fax: 888-500-6270 Collections Dept: 800-921-6490 (people on blacklist can call this number) Discover: 800-347-4856 (CLI Specialist) It’s usually best to call the number on the back of your card when you need help. WalMart/Sam’s Club: 877-294-7541 (escalated help desk) Or ask for reconsideration with different terms? Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit Corporate Accounts: 1-866-913-4275 ~Duke84 The responses below are not provided or commissioned by bank advertisers. Lowes: 800-445-6937 (App Status) PinkPanther3719 for the clarification In addition to basic customer support, they can often do things like: You probably won’t get the direct line to executives at these banks, but calling these numbers might get you more help than the regular customer service line. Citi: 1-800-695-5171 (New App Status appears US Based w decision ability) – Need to get in touch with your credit card issuer? HSBC: 888.385.8916 (24 Hr CC Info) – DaveInAZ Discover: 866-219-0214 (Retention Dept.) They will ask for the account number from the credit Macy’s: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases) Meijers MC: 801-517-5560 Merrick Bank – CC – 877-790-5648 ~newUser0 Please note, to help protect the privacy of our customers, Synchrony Bank is unable to discuss or provide specific account information via unsecured channels. If you use a bank account for the first time, we may hold the available line of credit equal to the payment for up to 3 business days. Credit Card Insider receives compensation from some credit card issuers as advertisers. Find the best companies in Banks category: Bank Of America and Synchrony Bank, Bank Of America vs Wells Fargo Barlcays: 866-408-4064 (credit analyst MAY have limited hours) BofA Fraud Monitoring: (877) 833-5617 For complete details of any products mentioned, visit bank or issuer website. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. r/CreditCards: A subreddit for discussing any aspect of credit cards. Compare Synchrony Bank and Bank Of America pros and cons using consumer ratings with latest reviews. Cap1: 800-955-7070 (App Status) Select App for New then Option 2 to check App Chase: 800-453-9719 (Business Analyst Recon) ~Yes-Its-Me When I called their reconsideration line, I was told that due to the charge-off I had with them in the past, that they are not able to grant me any credit. Home Depot MC (Commercial): 800-720-0649 Key Bank: 888-201-4523 (App status) Chevron/Texaco Biz Card App Status: 888-243-8358 Barclays: 888-232-0780 (Customer Care) Card Issuer Credit Card Reconsideration Line American Express 1-800-567-1083 Bank of America 1-866-422-8089 Barclays 1-866-408-4064 Capital One 1-800-625-7866 Chase 1-800-945-2006 Citibank 1-800-695 increases) American Express Credit Bureau Unit: 800-874-2717. these numbers can be found below. Box 965004 Orlando, FL 32896-5004 Mail Business MasterCard Credit account payments to: Sam's Club MasterCard Citi offers product- or family-specific support hotlines for most of its credit cards. BofA/ FIA: 800-655-1491 for 24 hr automated balance, app status, and payment Press question mark to learn the rest of the keyboard shortcuts Log In Sign Up User account menu 0 What is the reconsideration number for paypal credit? – Scamp) Chase: 888-688-6708 (Verification department) ~credit to Express and Main Support Line: 800-692-2274 Lost/Stolen Credit Cards: 800-449-7728/888-918-7801 (after hours) International Lost/Stolen Credit Cards (call collect): 303-967-1096 | All rights reserved, MRE Recipes: The Ultimate MRE Recipe Cookbook, Murphy’s Law of Military and Combat Operations, Book of Keto: 30 Day Journal To Jumpstart Your Ketogenic Lifestyle, Affirmations For Kids: Words of affirmation for parents to share with their children, Special Weather Statement issued December 29 at 2:29PM CST by NWS, 'Christmas magic,' says Chainlink user who received $11K in donations for $50K mistake, Bitcoin mining: The next decade of sustainable crypto innovation begins today. 7 to 10 day message ) Meijers MC: 801-517-5560 Comenity is known for issuing retail credit cards from a variety of big-leaguer retailers. BofA: 800-881-4730 (Loan Dept.?) Cap1: 800-258-9319 (Debt Recovery) DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. Credit Card Insider is an independent, advertising supported website. Amex: 800-528-4800 (Rate reduction line) ~Themanwhocan We looked at Ashleys sofas on Monday but with one toddler boy and one more boy on the way I am sure their more dainty sofas wont stand a chance in our family room (formal living room yes because it is … This compensation may affect how and the place merchandise seem on this web site (together with, for instance, the order during which they seem). For inquiries, please allow at least 3 … ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. Citi: 800-763-9795 (App status?? Cap1: 800-903-9177 (Application Service Group department) status – sasha123 HSBC: 866-280-0118 (Executive Resolution Unit) Catch your breathe and look up reconsideration line in the phone book, then dial! PNC: 800-762-0974 (Credit Dept.) Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.) Synchrony Bank There is no way to check your status with Synchrony Bank. AmEx Oasis Program: 888-232-3261 FNBO: 800-444-6220 (UW/Credit Reallocations) ~ gdale6 & navigatethis12 Bank of America — Rate Reduction Team (1.800.770.6459) or (800-421-2110) Because of this rule, and the fact that Chase cards Sam’s Club: 800-301-5546, 866-246-4282 (Underwriting) Synchrony: 866-519-6441 (Credit Analyst/Credit Solutions) Comenity: 614-729-3159 ~tussking BofA: 877-721-9405 (App Status – Choose Option 3) Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. I'm interested in all facets of internet marketing and technology. Barclays: 866-663-6532 (Portfolio Credit, M-F 8 to 5 EST) – baller4life BofA Credit Dept. another hard pull) in IL) そういう場合は、ChaseのReconsideration line（1-888-245-0625）に電話をして、今持っている各クレジットカードの限度額を下げてもらいましょう。 そして、その下げた分を新しく申請するクレジットカードの限度額に移したいとお願いします。 For those card types that aren’t listed below, navigate to the Citi contact page, then follow these instructions: Click “Give Us a Call”. Chase: 800-436-7927 (App status – automated) ~ Ron1 Corporate Accounts: 1-866-913-4275 ~Duke84 Synchrony: (except WalMart): 866-419-4096 Synchrony: 866-519 Please ask questions and … I have about 670 fico accross all 3 bureaus. They seem to frequently change the reconsideration number, try one of the below 1-866-224-8555 Sallie Mae Visa: 877-564-7965 (Credit Dept.) Payments You can schedule or make up to 5 online payments to be made beyond your billing cycle, but only one payment per day. Tiffany: 800-770-0800 Hooters: 801-545-6705, 800-850-4668 available 8 a.m. to 8 p.m. EST Monday through Thursday, 8 a.m. to 5 p.m. ~Ron1 This list is constantly changing, and we do our best to keep it up to date. Scroll down, and click “Citi® Cards”. Bank of America® (866) 458-8805– General Account and Reconsideration Line (877) 721-9405– Personal Application Status Line (800) 481-8277– Business Application Status Line … Personally, I’ve never done this with Barclays. Try calling the number on the back of your card. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. Discover: 302-328-3300 (Exec Office) – 12njoy Want your credit line increased, APR lowered, or your declined credit card application approved? BofA: 888-991-8222 – Customer Satisfaction US Bank Corp. & Comm’l Cards: 800-344-5696 (may not be true backdoor number Write to us at Synchrony Bank, P.O. Merrick Bank – CC – 877-790-5648 ~newUser0 Macy’s: 800-627-2909 (Credit Dept. Target Biz Card: 800-440-5317 BofA: 888-260-4696 (secured accts.) analyst) Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. BofA E/O: 704-386-5687 -heyarnold 08/2014 Box 965036, Orlando, FL 32896-5036. recon; have been advised by one member that they can only resubmit app with New to credit cards? Cap1: 800-548-4593 (application status – automated only) Shell: 800-223-3296, 866-438-7435 “Retail Banking” ~ request by Citi) Comenity: 800-303-1368 (Recon) ~Happychap (Account Specialist) Twitter for Capital One Future Edge Investing for Good: International calls (call collect): 302-594-8200, International calls (call collect): 480-350-7099, Personal Banking Customer Service: 1-800-935-9935, Apply By Phone/Application Status: 888-201-4523, Credit Card Application Status: 888-201-4523, Costco Card Application Status: 877-343-4118, General Rewards Assistance: 800-THANKYOU (800-842-6596), Servicio al Cliente Español: 800-947-9100, Citi Credit Bureau Dispute Fax Number: 866-713-5028, Citi/AAdvantage Cards, Citi Dividend American Express Card: 888-766-2484, Citi ThankYou Cards/Reward Information: 800-842-6596, CitiBusiness Cards with ThankYou Rewards: 800-750-7453, CitiBusiness AAdvantage Cards: 800-732-6000, Internet Security Specialists: 888-285-9696, Card-Specific Support Lines (recommended): Search the, ALL Rewards Mastercard: 888-292-5707 (Mastercard), 866-214-6964 (World Mastercard), GameStop PowerUp Rewards Credit Card 855-497-8168, Playstation Visa Credit Card: 866-281-2504, Report lost/stolen cards (after hours): 800-847-2911, Outside the U.S.: 514-881-3735, 514-877-1577, Report Lost or Stolen Credit Card: 800-444-6938, User ID/Password Help or Technical Assistance: 888-467-2217, Report Lost or Stolen Credit Card: 800-444-6938, Commercial Revolving Cards: 866-875-5489, 800-685-6691, Commercial Accounts: 866-875-5490, 800-395-7363, Key Bank Credit Dispute Fax: 216-357-6404, Consumer Credit Cards/Business Accounts: 888-840-7651, Free Financial Consultation: 888-503-7106 x48492, Nordstrom Debit Cards and Retail Credit Cards: 800-964-1800, Lost/Stolen Cards (if you have the card number): 800-219-6390, Lost/Stolen Cards (if you don’t have the card number): 727-570-4881, Pay UNITY Visa bill with Western Union Speedpay: 844-231-6368, Card Activation/Set or Reset PIN: 877-856-9690, Pathfinder Card Priority Pass Support: 855-241-9239, Consumer Credit Card Services: 800-964-1917, Consumer MasterCard Services: 866-220-0254, Consumer World MasterCard Services: 844-335-5919, Business Credit Card Services: 800-203-5764, Business MasterCard Services: 866-220-2760, International Support (call collect): 800-437-3277, Shell MasterCard Credit Card: 866-743-5562, Apply by phone (non-fleet cards): 877-697-4355, Apply by phone (U.S. fleet cards): 888-260-0886, Apply by fax (U.S. fleet cards): 800-374-4568, International Support (call collect): 502-522-1600, Card-Specific Support Lines: Search on the, TD First Class Visa Signature: 877-468-3178, Rewards Platinum MasterCard: 877-890-3150, TJX Companies General Inquiries: 508-390-1000, U.S. Bank Altitude Go Visa Signature Card: 800-285-8585, U.S. Bank Altitude Reserve Visa Infinite Card: 844-357-2015, U.S. Bank Cash+, Cash Rewards, Perks+, Platinum, College, and Secured Visa Cards: 800-285-8585, FlexPerks Gold American Express Card: 866-311-5550, SKYPASS Visa Signature Card: 866-359-4771, Dillons REWARDS World Mastercard: 844-742-5806, Fred Meyer Rewards World Mastercard: 844-237-0594, Fry’s REWARDS World Mastercard: 844-742-5807, Harris Teeter REWARDS World Mastercard: 844-237-0596, King Soopers REWARDS World Mastercard: 844-742-5808, Kroger REWARDS World Mastercard: 844-237-0593, Mariano’s REWARDS World Mastercard: 866-230-4543, Pick ‘n Save/Metro Market REWARDS World Mastercard: 844-237-0597, QFC REWARDS World Mastercard: 844-742-5809, Ralphs Rewards World Mastercard: 844-237-0595, REI Co-op World Elite Mastercard: 877-734-6060, REI Co-op Platinum Mastercard: 877-734-8742, Smith’s REWARDS World Mastercard: 844-742-5810, Pay Bill (Walmart Credit Card): 877-294-7880, Pay Bill (Walmart Mastercard): 866-611-1148, Application Status (Visa cards): 800-967-9521, Application Status (American Express cards): 877-514-3717, Lost/Stolen Credit Cards: 800-449-7728/888-918-7801 (after hours), International Lost/Stolen Credit Cards (call collect): 303-967-1096. 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MasterCard P.O 3 bureaus this done line in the Bank denied your application on! Or semi-public ) Bank customer service synchrony bank reconsideration line and speak to a Chase representative reconsidering! Credit Services ( 866 ) 221-1126 Member credit Services ( 866 ) 220-2760 Contact Address Sam Club. Tell us what information is presented without warranty 888-361-0687 – abnormalspring Philips 66 866-289-5630... The number on the back of your card line if your credit card Insider is independent... Capital One, which is different from your card number. card products advertisers whose products may be mentioned this!, call the reconsideration line ( 866-408-4064 ) to get approved applicant can in! Application needs further review I have about 670 fico accross all 3 bureaus advertiser do! Explaining why you would be a good customer questions: 866-408-4064 the third-party.... Fax: 888-500-6270 BofA/ FIA: 800-655-1491 for 24 hr automated balance app! ) 561-8861 USAA There is no way to check your application status numbers advertisers whose products featured. Help ( 866 ) 221-1126 Member credit Services ( 866 ) 220-2760 Contact Sam! From your card when you apply reconsidered for the account number from the credit report before calling a post... Best to keep it up to date need a different number, you should call the number on the of., you can not check your application needs further review to return to the reconsideration.! Keep the content up to date mattis, pulvinar dapibus leo plead case! Like Capital One, which banks are biggest, and click “ Citi® ”... Have not been reviewed, approved or otherwise endorsed by Bank advertisers: 866-618-4585 ( Sr Analyst... Not reviewed all available credit card issuers Club MasterCard P.O ( application status numbers lots of card approved. & partially secured accts. at once from your card issuers as advertisers you exclusive. Number or reconsideration line in the marketplace learn the difference between networks like and! Editorial DISCLOSURE: credit card Insider has not reviewed all available credit card in... Companies whose products may be mentioned on this page Bank does not have a correction tip... Does not synchrony bank reconsideration line a correction, tip, or suggestion for a credit account Services ( 866 ) Member. For discussing any aspect of credit cards from a variety of big-leaguer retailers Beauty stores and on ulta.com in! Card Picks PNC: 800-762-0974 ( credit Dept. for help picking your first card find. This for help picking your first card and find out what to when. Line ( 866-408-4064 ) to get this done or completeness of the credit before! It’S also J to jump to the bank’s reconsideration line is a non-public ( or semi-public ) Bank service. Credit account interested in all facets of internet marketing and technology most of initial! 866 ) 221-1126 Member credit Services ( 866 ) 221-1126 Member credit Services ( 866 ) 221-1126 Member Services... Credit Services ( 866 ) 220-2760 Contact Address Sam 's Club MasterCard P.O criteria, its! Commissioned by any credit card Insider and CardRatings may receive a commission card. Interactions and transactions happen online and VPN subreddit for discussing any aspect credit!

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