ERRRR...Orchard Bank!

[webhopper]

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@gettingstarted wrote:

Yeah I had the same experience with HSBC I got nice CLI with Chase got a new Discover card and USAA World Master Card HSBC same thing 100.00. The only reason Im keeping them open for now is because they dropped my APR while Im deployed and waived the AF but Im sure it will be back once Im home. Im dumping them this time next year after I get a year on Discover and USAA

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They are required to cut your APR.... Servicemembers Relief Act is your friend.

Thanks for your sevice

[gettingstarted]

Thank You and Im Proud to serve

[the_jan_b]

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@casmith1980 wrote:

Look at the bright side - at least they didn't increase your credit limit by $59 lol

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[shorrttyycm1]

Yes...first and formost...Thank you for serving, for our freedom!

[clocktick]

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@shorrttyycm1 wrote:

 I called, a supervisor says that they need permission to review the account and that the supervisor yesterday was "innacurate".  I say yes BUT no hard pull....then...DRUM ROLL..."Congradulations $100.00 increase"! 

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They don't need your permission for a SP since you already have an account with them.  Are you sure they didn't HP?  I hope not for your sake!

[shorrttyycm1]

I spoke to a supervisor and she said that they first put you through the system.  If approved, that's it.  If it is selected for manual review, then they do a hard pull.  They system kicked out the approval without a manual review.  She also said that, by company policy, they do not auto CLI, customers HAVE to initiate it.

[FicoTron]

Last time I called them for a cli I specifically demanded that if it were to be a HP that I didn't want it. They said it wouldn't be a problem. So what do they do? Put a HP on my EQ and didn't give me a cli. My next call to them is in October when my ridiculous AF is due, so I can tell them to stuff it in their pooper and close this card. It got me into primeville, (Amex) but the CS is just beyond bad.

[shorrttyycm1]

Wow, sorry...that sucks!  They better not even go there  Did you dispute the hard pull?  I agree, the customer service is horrible...but STILL not worse that Hooters

[tammyjk]

Wow I love my Hooters card.  I recently disputed a charge because the company did not refund the full amount and in 3 days the full amount was refunded back to my card.  I have had cli on a pretty regular basis.  The interest rate is high but I do not carry a balance so it works for me. 

On the Orchard.....I requested a cli and got the same 100 dollar bump.  Very disappointed in them.