Reply
Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
0

$1500 --> $10,000 Orchard Bank Card via Cap One EO!

Hey everybody!

 

So at the recommendation of zerobacan (hope i spelled that right...sorry dude!), decided to post my success with the Cap One EO and my Orchard Bank account.

 

Previously had a $1,500 limit, and this card was just recently UNSECURED in January, so I got my deposit back, as a thank-you for having a great history (with them and overall credit) and as a transition into Cap One this summer. Since I saw a few people having success on their formerly HSBC backed cards through the Cap One EO, decided to send off an e-mail on Friday. Fella called me yesterday afternoon, wasn't able to answer since I was working. Tried to call back that evening when I got out, and he already left. So, I left a voicemail and he was able to catch me this morning before I clocked into work! Had all the information in the e-mail that he needed, so he just asked if it was okay to take a hard pull (ouch, but hey, worth it!), and if he could leave a voicemail with the results. Haven't gotten a call back from him, I assume he's still working on the annual fee renewel.

 

But so far? BAM! CLI from $1,500 tooooooo $10,000!!!

 

Screen shot 2013-03-20 at 7.35.53 PM.png

 

Not sure what bureau they could've pulled yet...banking on Equifax since that seems to be the go-to bureau for Orchard Bank...however I locked myself out of the dispute application so I can't check it Smiley Sad will try again with my confirmation code. If it's not equifax, I can't check TU or EX until my free services (CK,CS,credit.com) update Smiley Mad

 

So for now, I'll keep my spade until I figure out if and what bureau was pulled Smiley Very Happy

 

Best of luck to all those Orchard Bank/Household/HSBC account holders!!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 747 VantageScore 3.0: EX 741 EQ 748 TU 747 Credit Sesame (EX) 753 Credit.com (EX) 780 CapOne (TU) 787 Quizzle (EQ) 749
New Contributor
Posts: 71
Registered: ‎10-17-2011
0

Re: $1500 --> $10,000 Orchard Bank Card via Cap One EO!

That is absolutely incredible!!!!!! Congrats do no justice, I would high-five the heck outta you, but instead I will just have to use my words! CONGRATS!

Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
0

Re: $1500 --> $10,000 Orchard Bank Card via Cap One EO!


tpmlls wrote:

That is absolutely incredible!!!!!! Congrats do no justice, I would high-five the heck outta you, but instead I will just have to use my words! CONGRATS!


Thanks tpmlls Smiley Happy *virtual high five*!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 747 VantageScore 3.0: EX 741 EQ 748 TU 747 Credit Sesame (EX) 753 Credit.com (EX) 780 CapOne (TU) 787 Quizzle (EQ) 749
Community Leader
Senior Contributor
Posts: 27,327
Registered: ‎02-07-2013
0

Re: $1500 --> $10,000 Orchard Bank Card via Cap One EO!

[ Edited ]

All you can say is 

WoW

Cap 1 is changing all aspects of its business plans it would seem and congrats

+ Chase ink =




Frequent Contributor
Posts: 339
Registered: ‎11-17-2012
0

Re: $1500 --> $10,000 Orchard Bank Card via Cap One EO!

Wow....Amazing ! 

 

Capital One ROCKS.....they are one of the top 2 in my faves.

 

SisterGirl

SisterGirl
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: $1500 --> $10,000 Orchard Bank Card via Cap One EO!

That is very awesome!!!! (eats his crow by the way lmao)

 

WTG, AND BIG CONGRATS!!!!

 

THIS CALLS FOR A HAPPY DANCE!!!

 





Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
0

Re: $1500 --> $10,000 Orchard Bank Card via Cap One EO!


LS2982 wrote:

That is very awesome!!!! (eats his crow by the way lmao)

 

WTG, AND BIG CONGRATS!!!!

 

THIS CALLS FOR A HAPPY DANCE!!!

 



Haha thanks for the congrats! Smiley Very Happy definitely an uber happy dance <3

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 747 VantageScore 3.0: EX 741 EQ 748 TU 747 Credit Sesame (EX) 753 Credit.com (EX) 780 CapOne (TU) 787 Quizzle (EQ) 749
Established Contributor
Posts: 554
Registered: ‎09-28-2012
0

Re: $1500 --> $10,000 Orchard Bank Card via Cap One EO!

If it true congrats , but I am taking it with grain of salt  Cash advance limit , and Cash advance amount available do not add up... Could be system gitch , but I am a bit sketchical tbh.



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Valued Contributor
Posts: 1,357
Registered: ‎02-07-2010
0

Re: $1500 --> $10,000 Orchard Bank Card via Cap One EO!

nice! but i am perplexed about the cash advance limit.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
Posts: 1,914
Registered: ‎11-17-2012
0

Re: $1500 --> $10,000 Orchard Bank Card via Cap One EO!


toppers555 wrote:

If it true congrats , but I am taking it with grain of salt  Cash advance limit , and Cash advance amount available do not add up... Could be system gitch , but I am a bit sketchical tbh.


Yes, I agree, the cash advance limit is all screwy...it's showing the overall as $10,000, yet the available one still refers to my old limit ($1,500 - the $7.02 balance). That is a system glitch, but the rest of it is honest to goodness CLI. My creditkarma.beta is even reflecting it now as well, since I have synced those accounts with it:

 

Screen shot 2013-03-20 at 8.35.02 PM.png

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 756 EQ 735 TU 747 VantageScore 3.0: EX 741 EQ 748 TU 747 Credit Sesame (EX) 753 Credit.com (EX) 780 CapOne (TU) 787 Quizzle (EQ) 749
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.