Ah, ditched the Orchard!

[LisaPA]

I'm on  a roll today. Since my anniversary is coming up and I knew there would be a $59 annual fee (plus the APR increase, plus the crap $300 limit), I called to close the card. The CSR offered to see if I could get a CLI with a soft inquiry. I said sure, why not see? While we were waiting she offered to half the fee, but not waive it. I said let's wait until we see what the CLI is. They offered.... $100! I nearly laughed at her. So I went ahead and closed the account. Since I opened a CapOne last year also in October, this won't affect my AAOA and BofA just bumped me up to $1000, so my UTI is actually slightly better even with this closure. Movin' on up!

So glad to be rid of Orchard. They were never bad to me (unlike some here), I just felt like I deserved better. The CSR was very pleasant and even apologetic, but she didn't really strain herself to retain me either.

Lisa

[pattycake]

Yay!!!!  Have you seen the RIP Orchard thread?  Very funny....

[pattycake]

Eulogy to Orchard Card...

[LisaPA]

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@pattycake wrote:
Yay!!!!  Have you seen the RIP Orchard thread?  Very funny....

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Ha! I was trying to decide if I just want to cut it up or set it on fire. :-b Do you think plastic fumes are dangerous?

[BungalowMo]

Congrats on the Orchard curb kick!

And yes...the Orchard Memorial is a hoot!!!  

[haulingthescoreup]

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LisaPA wrote:

I'm on  a roll today. Since my anniversary is coming up and I knew there would be a $59 annual fee (plus the APR increase, plus the crap $300 limit), I called to close the card. The CSR offered to see if I could get a CLI with a soft inquiry. I said sure, why not see? While we were waiting she offered to half the fee, but not waive it. I said let's wait until we see what the CLI is. They offered.... $100! I nearly laughed at her. So I went ahead and closed the account. Since I opened a CapOne last year also in October, this won't affect my AAOA and BofA just bumped me up to $1000, so my UTI is actually slightly better even with this closure. Movin' on up!

So glad to be rid of Orchard. They were never bad to me (unlike some here), I just felt like I deserved better. The CSR was very pleasant and even apologetic, but she didn't really strain herself to retain me either.

Lisa

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Just to point out to all readers, closing a card doesn't affect your AAoA until it falls off your reports 10 years later (earlier for EQ, which is trigger-happy.)

Congrats on graduating from rebuilding land!

[LisaPA]

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@haulingthescoreup wrote:

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@LisaPA wrote:

I'm on  a roll today. Since my anniversary is coming up and I knew there would be a $59 annual fee (plus the APR increase, plus the crap $300 limit), I called to close the card. The CSR offered to see if I could get a CLI with a soft inquiry. I said sure, why not see? While we were waiting she offered to half the fee, but not waive it. I said let's wait until we see what the CLI is. They offered.... $100! I nearly laughed at her. So I went ahead and closed the account. Since I opened a CapOne last year also in October, this won't affect my AAOA and BofA just bumped me up to $1000, so my UTI is actually slightly better even with this closure. Movin' on up!

So glad to be rid of Orchard. They were never bad to me (unlike some here), I just felt like I deserved better. The CSR was very pleasant and even apologetic, but she didn't really strain herself to retain me either.

Lisa

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Just to point out to all readers, closing a card doesn't affect your AAoA until it falls off your reports 10 years later (earlier for EQ, which is trigger-happy.)

Congrats on graduating from rebuilding land!

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Sorry, I was thinking long term, but I didn't say so. You're right, it wouldn't affect anything now anyway, but as long as I keep the CapOne open, I keep the same age.

Thanks!

[armymom]

Congratulations on ditching Orchard!  I hope to be doing the same within the next year.

[pattycake]

It's the best feeling in the world when you can finally cancel Orchard.  They serve their purpose, but must hit the road shortly thereafter.  

[creditwherecreditisdue]

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@LisaPA wrote:

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@pattycake wrote:
Yay!!!!  Have you seen the RIP Orchard thread?  Very funny....

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Ha! I was trying to decide if I just want to cut it up or set it on fire. :-b Do you think plastic fumes are dangerous?

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They are! It's so much better to shred!

Congrats on your divestment!