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Valued Contributor
Posts: 1,128
Registered: ‎10-15-2011
0

Re: Orchard CLI Increase success!!!

Was it a hard or soft pull?



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
New Contributor
Posts: 136
Registered: ‎02-20-2013
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Re: Orchard CLI Increase success!!!

Wow, congratulations! I never thought it would be possible with Orchard Bank I received a similar letter. I'd also like to know whether they did a hard or soft pull for you. Mine was a hard pull.


TU 759, EX 744, EQ 779
Current Focus: Gardening indefinitely
Goals: 800 Club, pay off auto loan in 2 years
New Contributor
Posts: 62
Registered: ‎04-09-2013
0

Re: Orchard CLI Increase success!!!

I've had my orchard bank card since 2008, denied cli for years.  Are you still paying $60 AF?

EQ MyFico : 738- 05/28/13TU Walmart: 680- 06/13TU CreditKarma 713- 06/13EX CreditSesame 706- 06/13
Discover IT$3,000, CapitalOne-Rewards$1400, CapitalOne-Rewards2$1000 , BestBuy$600, Orchard Bank$300, Walmart$150

Contributor
Posts: 204
Registered: ‎04-22-2013
0

Re: Orchard CLI Increase success!!!

I believe they did a hard pull but a $2,200 increase (from $300 to $2,500) was worth it in my opinion.  The small ding my score took vs. the long term benefit of no longer having a cc with a low limit more than makes up for it.

Contributor
Posts: 204
Registered: ‎04-22-2013
0

Re: Orchard CLI Increase success!!!

Believe it was a hard pull.  What was your increase if you don't mind me asking?  Did you have to jump through any hoops to get it or was it automatic?

Contributor
Posts: 204
Registered: ‎04-22-2013
0

Re: Orchard CLI Increase success!!!

I'm still paying the AF.

Regular Contributor
Posts: 242
Registered: ‎12-11-2012
0

Re: Orchard CLI Increase success!!!

CONGRATS!! I also have ORchard for 3yrs now and cl is $520. Tried calling emailing EO and everytime DENIED!! I'm glad it worked out for you.

Contributor
Posts: 204
Registered: ‎04-22-2013
0

Re: Orchard CLI Increase success!!!

Thanks to all the advice found here!

New Contributor
Posts: 62
Registered: ‎04-09-2013
0

Re: Orchard CLI Increase success!!!

i think that im just going to cancel my Orchard card, 60 dollar af isnt worth it to me

EQ MyFico : 738- 05/28/13TU Walmart: 680- 06/13TU CreditKarma 713- 06/13EX CreditSesame 706- 06/13
Discover IT$3,000, CapitalOne-Rewards$1400, CapitalOne-Rewards2$1000 , BestBuy$600, Orchard Bank$300, Walmart$150

New Contributor
Posts: 136
Registered: ‎02-20-2013
0

Re: Orchard CLI Increase success!!!


jbrickbm wrote:

i think that im just going to cancel my Orchard card, 60 dollar af isnt worth it to me


That's what I thought, until I realized that it was my oldest account. I think a couple thousand dollars of credit limit and the consistent aging of the account covers the pinch of AF for me. My AF is $80, and they waived it for another year at my strong request. I'll pay that for a few years until I have aged my newest accounts 2 years, then I'll tell them to drop it or I quit. In other words, I'm just using it as a tool for better credit like my other accounts, despite the ridiculous fee.


TU 759, EX 744, EQ 779
Current Focus: Gardening indefinitely
Goals: 800 Club, pay off auto loan in 2 years
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