topic Re: Orchard Bank--credit line increase??? in Rebuilding Your Credit

Orchard Bank--credit line increase???

THANKGODFORSECONDCHANCES — Fri, 09 Mar 2012 19:30:45 GMT

Well, I have my new orchard bank cc, with a 300.00 crediit limit...has anyone had automatic CL increases with this card?????

Re: Orchard Bank--credit line increase???

themeggerz — Fri, 09 Mar 2012 19:35:21 GMT

I opened the card in 2007 at 300, got a CLI in 2009 to 400, and asked recently if I could get a CLI, and they said no.

I'll be closing the card before the AF kicks in.

Re: Orchard Bank--credit line increase???

jocleveland — Sat, 10 Mar 2012 02:17:27 GMT

Same deal for me. Started at 300 begged them to 400 after 7 months and they just said no to a request for more. I am still grateful they gave me another chance (defaulted on the first one) without the card being secured.

Re: Orchard Bank--credit line increase???

deb7907 — Wed, 28 Mar 2012 20:29:50 GMT

I have had my Orchard bank for 3 years , always paid on time and never went over the limit fee, I have NEVER recieved a CLI, I am about to cancel this card , just paid it off .

I have recieved Capital One cards two of them, J C Penny and Sears Mastercard and Wallmart......none of these have any fees and the limits are higher...................I will be cancelling it , the yearly fee is 79.00 bucks !!!!!

Re: Orchard Bank--credit line increase???

deb7907 — Wed, 28 Mar 2012 20:31:41 GMT

I have had my Orchard bank for 3 years , always paid on time and never went over the limit fee, I have NEVER recieved a CLI, I am about to cancel this card , just paid it off .

Re: Orchard Bank--credit line increase???

dvilc001 — Wed, 28 Mar 2012 20:32:22 GMT

I have an Orchard card, I called the backdoor number a few weeks back, and they granted me a CLI...it was less than 5 minutes...granted, it was only 150.00 increase, but its better than nothing! call the back door numbers (try searching "backdoor numbers" in the forum). Never hurts to ask :)

Re: Orchard Bank--credit line increase???

bridgetkaryn — Wed, 28 Mar 2012 20:38:46 GMT

Got a $20, yep $20 WHOLE DOLLAR increase... Forgot to cancel before the AF in Feb, so I will keep it for the history until next January when I will CLOSE this stupid card... Warning do not be late, they are TERRIBLE with GW...

Re: Orchard Bank--credit line increase???

deemutz — Wed, 28 Mar 2012 20:39:14 GMT

I backdoored a couple of days ago, got a 100 CLI, got the card in august 2011.
I read here that if you call every 6 mths, you have a decent chance at a CLI as long as you are in good standing with them

Re: Orchard Bank--credit line increase???

momma015 — Thu, 04 Oct 2012 17:05:34 GMT

I have been a orchard cc customer for almost 2 years. When and will I get an increase.

Re: Orchard Bank--credit line increase???

Shogun — Thu, 04 Oct 2012 17:14:11 GMT

Orchard sold out to Cap1. Unfortunately they're not known for CLIs either.

Re: Orchard Bank--credit line increase???

yo-upacreek — Thu, 11 Oct 2012 02:40:49 GMT

My secured Orchard Banc cc has never been increased(2 years) now owned by Cap 1.

My unsecured Cap 1 was increased from 300 to 500 after 5 ontime monthly payments automatically.

Re: Orchard Bank--credit line increase???

Shogun — Thu, 11 Oct 2012 02:42:55 GMT

Use them for what they are, a stepping stone to get better cards.

Re: Orchard Bank--credit line increase???

fuzzybean — Thu, 11 Oct 2012 03:45:37 GMT

They suck!

Re: Orchard Bank--credit line increase???

Shogun — Thu, 11 Oct 2012 03:46:46 GMT

fuzzybean wrote:
They suck!

Go ahead, tell me how you really feel. LOL

Re: Orchard Bank--credit line increase???

fuzzybean — Thu, 11 Oct 2012 03:53:03 GMT

Shogun wrote:
fuzzybean wrote:
They suck!
Go ahead, tell me how you really feel. LOL

Hahaha! Trust me, I'd be banned if I did! :smileywink:

Re: Orchard Bank--credit line increase???

missmilah — Sun, 21 Oct 2012 22:14:35 GMT

I am soo happy and estatic that orchard was bought out by capital one. Capital one gives credit increases every five statements, I just received one on both of my cards. Since orchard gives it out sparingly, all current orchard cardholder do not close it. It will get better on the capital one side, promise. I asked customer service when will the merger be totally done, adnd they said they didn't know. (Yeah right). On my credit report, the orchard card is already showing as a capital one credit one account.