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Established Contributor
Posts: 513
Registered: ‎01-27-2011
0

Goodbye Orchard Bank

I finally kicked Orchard Bank out of my wallet.  My 2 year anniversary is nearly up and I fully refused to pay the $79 AF.  The countered with lowering the fee to $39, which I promptly denied.  I explained how my scores are way too high and I would settle for no less than no AF and a CLI.  They offered a CLI but didn't budge on the AF.   I knew what I was getting into when I got it, but I wish they would have done it so I don't have to close an account, but at a $320 limit I am all set, especially since my Amex limit will be $6000 next month. don't be afraid to ditch these sheisters when you can.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Regular Contributor
Posts: 132
Registered: ‎11-14-2011
0

Re: Goodbye Orchard Bank

what was your utilization in the months leading up to ditching them? I wonder if it would be a good idea to use it at a 30% utilization rate before demanindg they drop the AF and/or raise your CL.  I'm thinking of ditching Capital One at some point in 2013 -- I pay a $36 AF with a $2,000 credit limit -- but before doing so I will try to get them to drop the AF. If not -- adios.

 


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


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Contributor
Posts: 255
Registered: ‎08-24-2011
0

Re: Goodbye Orchard Bank

Such a nice feeling kicking the builders. I remember when i would just about beg for one. How do you know your Amex will be 6k next month?

*USAA WORLD MC 12k* *USAA VISA 12k* *AMEX BCE 6k* *DISCOVER IT 11.5k* *AMEX ZYNC* *B of A SIGNATURE CASH 15k* *NAVY FEDERAL PLATINUM 20k* *CITI DOUBLE CASH 15k* *Veridian CU 14k* *Barclays Apple 12.5k*

Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: Goodbye Orchard Bank

RIP   Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Goodbye Orchard Bank


FicoTron wrote:

I finally kicked Orchard Bank out of my wallet.  My 2 year anniversary is nearly up and I fully refused to pay the $79 AF.  The countered with lowering the fee to $39, which I promptly denied.  I explained how my scores are way too high and I would settle for no less than no AF and a CLI.  They offered a CLI but didn't budge on the AF.   I knew what I was getting into when I got it, but I wish they would have done it so I don't have to close an account, but at a $320 limit I am all set, especially since my Amex limit will be $6000 next month. don't be afraid to ditch these sheisters when you can.




would you mind to share your step to step process of all your credit card after the orchard bank open ?  thanks ........


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Goodbye Orchard Bank

to the shredder!!!!!!!!!!!!!!!!! RIP!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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