CLI from Orchard now that they are Cap 1?

[Anonymous]

Now that Orchard has been bought by Cap 1 (currently reported as that on my CR). Do you think there will be a change in how they give CLIs? I've read that people have called to make a request from Orchard every 4-6 months. 

[jsucool76]

I think I read some at least one thread recently (since Cap1 acquired HSBC) and there was still people getting CLIs by doing their thing every 4 months. 

[2NE1]

Yes, Orchard is still giving CLI upon request, just called the # on the back of your card. So far everyone that's requested has been a SP. I guess the amount varies depending on how good you keep your payment history and how high your score is, some users have had up to $250 limit increase. Mine was $100 and it was a SP.

[FicoTron]

I tried a cli last year and it was a HP.  No chance I am trying that again to get a piece of shiznit limit bumped a measly $100.  This card is getting axed 2 weeks prior to the AF hitting.  Goodbyeand R.I.P to Orchard, they suck.  I'd like to say they got me to primeville, but they actually made it worse.

[Brian_Trying_700]

Capital One for sure is a soft pull. I thought Orchard was a hard pull becuase poeple on the forums said. Maybe because there are cap one now??????

[SoCalBound]

Orchard Bank has been pretty good to me since I got it two years ago.  It's has actually grown to $2000. 

I went to ask for a credit increase, he said he would have to pull a report and the decision would be in like 10 seconds, and I wimped out because I didnt want to chance a hp on pretty much a clean record just a week or two before trying to apply for a prime card.  Just my luck it would be a hp for like $100