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.
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.
Now, they offer the secured Orchard card for annual fee that will increase later after it graduates.
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.