@vish1 wrote:I was wondering what to do with that piece of plastic now, here is my suggestion (applies to all orchard, FP cards):
- Go to a store like crate & barrel and get a good knife
- Cut the card into atleast 100 small pieces and then use a hammer to bang the pieces a few times
- Pack them all very carefully into a plastic bag and seal properly (re-verify that you din't drop any pieces anywhere at your home)
- Carefully carry the bag to your car and drive atleast 1 mile in any direction
- Find a trash can and dump the plastic bag containing the pieces of the card
- Go back home and take a deep breath (dancing for a few minutes is not a bad idea either)
You should frame it. it is like art in a way. You paid a lot for it. It has no utility value. 
@Anonymous wrote:Yes, I have a Home Depot CC with a $2,000 limit, a new credit union CC with a $3,000 limit, and a HSBC CC with a $720 limit. I know it's not great, but we're still working on rebuilding (or really, just waiting for old baddies to fall off). All of our history for the past 2-3 years is positive.
Are you kidding me, that's fantastic! I'm hoping to someday work my way up to a $3,000 credit limit. 
And congratulations on ditching First Premier. July will be my second anniversary with them and I can't wait to give them the pink slip before the annual fee is due.
@Wolf3 wrote:
@vish1 wrote:I was wondering what to do with that piece of plastic now, here is my suggestion (applies to all orchard, FP cards):
- Go to a store like crate & barrel and get a good knife
- Cut the card into atleast 100 small pieces and then use a hammer to bang the pieces a few times
- Pack them all very carefully into a plastic bag and seal properly (re-verify that you din't drop any pieces anywhere at your home)
- Carefully carry the bag to your car and drive atleast 1 mile in any direction
- Find a trash can and dump the plastic bag containing the pieces of the card
- Go back home and take a deep breath (dancing for a few minutes is not a bad idea either)
You should frame it. it is like art in a way. You paid a lot for it. It has no utility value.
I got no FP/Orchard, this was a suggestion for OP.
I just realized now, that I did not make myself really clear. 
@vish1 wrote:
@Wolf3 wrote:
@vish1 wrote:I was wondering what to do with that piece of plastic now, here is my suggestion (applies to all orchard, FP cards):
- Go to a store like crate & barrel and get a good knife
- Cut the card into atleast 100 small pieces and then use a hammer to bang the pieces a few times
- Pack them all very carefully into a plastic bag and seal properly (re-verify that you din't drop any pieces anywhere at your home)
- Carefully carry the bag to your car and drive atleast 1 mile in any direction
- Find a trash can and dump the plastic bag containing the pieces of the card
- Go back home and take a deep breath (dancing for a few minutes is not a bad idea either)
You should frame it. it is like art in a way. You paid a lot for it. It has no utility value.
I got no FP/Orchard, this was a suggestion for OP.
I just realized now, that I did not make myself really clear.
I think putting Orchard with FP is not reallly fair. FP is far worse with it fees. Orchard is a decent starter card for people with bad credit. IMO, there is no justification for getting FP card now.