11-09-2010 07:57 PM
It felt good. Orchard Bank Mastercard outlived its usefulness. It was great and actually probably my best building card but it had an annual fee and they wouldnt unsecure it so it went! I was told I would get my deposit back in 30 days. Not holding my breath on that but well see. I canceled my second to last one last month ( Applied Bank ) and actually got my deposit back in less than 2 weeks so well see. Sorry for the rant but no one in my live gets excited about credit.
11-10-2010 05:39 AM
11-10-2010 07:03 PM
I have had the Orchard card with-out a fee. I just applied for the card and was approved back at that time. I never knew they charged a fee until I started reading these boards. Don't know if something changed since I applied or just a determination based on CR they pulled.
11-10-2010 07:34 PM
I think im getting allergic to annual fees. Maybe next year ill cancel my capital one cards. There the last ones left. Except Amex but I think of that more like paying to get into the club.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.