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New Contributor
Posts: 95
Registered: ‎04-02-2012
0

Killed my first card. Bye Orchard! Would have loved to keep you around!

[ Edited ]

I waited too long and they slapped my with the annual fee. I called up to see if they could retain me. I told them I have other good cards now. Theirs was $520 CL with no rewards and a fat annual fee and my others cards are rewards cards with CL's in the thousands. All they offered me was to half the annual fee. I said KILL IT WITH FIRE! If they could have made it a worthwhile card to keep I really wanted to.

 

I was actually stupid to not take the half fee deal, pay that and then cancel after a week or so cause now I think I'm stuck with the whole $79 fee. Smiley Sad But you know that card did me a great service and I knew I'd pay a price for it so it's a fair cop. It took me from an empty credit file to a 747 score in 2 years for about $300 in fees. Fair enough I guess.

 

By by Orchard!

 

AMEX BCE 6K

Chase Freedom 1K

Discover More 1.5K

 

 

From no credit to EQ 747 in 16 months using info from these forums!

Chase Freedom 3k, Chase Slate 5k, Chase Sapphire Preferred 6.4K Amex Blue Cash 9k, Discover More 5K, Citi Simplicity 3.2k

RIP: Orchard/Cap1 520CL

Fico 726

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

Re: Killed my first card. Bye Orchard! Would have loved to keep you around!

RIP...   On to bigger and better.   Congrats!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Killed my first card. Bye Orchard! Would have loved to keep you around!

RIP.

 

Did you give it the proper shredder treatment??




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
Established Contributor
Posts: 930
Registered: ‎07-30-2011
0

Re: Killed my first card. Bye Orchard! Would have loved to keep you around!

Congrats!  It's a good feeling to move on to prime cards and leave the rebuilders behind.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Established Contributor
Posts: 803
Registered: ‎05-16-2012
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Re: Killed my first card. Bye Orchard! Would have loved to keep you around!


Funk-O-Meter wrote:

I waited too long and they slapped my with the annual fee. I called up to see if they could retain me. I told them I have other good cards now. Theirs was $520 CL with no rewards and a fat annual fee and my others cards are rewards cards with CL's in the thousands. All they offered me was to half the annual fee. I said KILL IT WITH FIRE! If they could have made it a worthwhile card to keep I really wanted to.

 

I was actually stupid to not take the half fee deal, pay that and then cancel after a week or so cause now I think I'm stuck with the whole $79 fee. Smiley Sad But you know that card did me a great service and I knew I'd pay a price for it so it's a fair cop. It took me from an empty credit file to a 747 score in 2 years for about $300 in fees. Fair enough I guess.

 

By by Orchard!

 

AMEX BCE 6K

Chase Freedom 1K

Discover More 1.5K

 

 


Good call. Never look back!!!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Mega Contributor
Posts: 16,830
Registered: ‎08-08-2011
0

Re: Killed my first card. Bye Orchard! Would have loved to keep you around!

If it's less than 30 days I believe they have to refund the annual fee. Over 30 days out of luck.

US Bank Cash+ (VSig) $10k / US Bank Ace (VSig) $10K / Discover IT $10k
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CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.55k / Citi DC (WMC) $3k
Gardening Date 5/8/15 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
New Contributor
Posts: 95
Registered: ‎04-02-2012
0

Re: Killed my first card. Bye Orchard! Would have loved to keep you around!

hows that work Coldnmn?

 

It JUST dropped a couple days ago. I JUST cancelled yesterday. Should I expect it to disappear on it's own or do I have to complain yadda yadda?

 

Anybody else know about this?

 

 

Yea I did give it the proper shredder treatment. Cut it up into tiny pieces and burnt it in the fire in the back yard while we made smores Smiley Happy No kidding.

From no credit to EQ 747 in 16 months using info from these forums!

Chase Freedom 3k, Chase Slate 5k, Chase Sapphire Preferred 6.4K Amex Blue Cash 9k, Discover More 5K, Citi Simplicity 3.2k

RIP: Orchard/Cap1 520CL

Fico 726

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Killed my first card. Bye Orchard! Would have loved to keep you around!

Congrats

Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
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Re: Killed my first card. Bye Orchard! Would have loved to keep you around!


LS2982 wrote:

RIP.

 

Did you give it the proper shredder treatment??


ROFLMAO! Smiley Very Happy

 

 


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Mega Contributor
Posts: 16,830
Registered: ‎08-08-2011
0

Re: Killed my first card. Bye Orchard! Would have loved to keep you around!

I read it on here 2 months after I paid my fee. I closed my account and waited 2 months to be sure I didn't have a balance. If I had known I would have called and closed it within the month. According to what I read had something to do with the new credit card act. I would definitely call them to be sure. I trust the people on this board way more than Orchard. 

US Bank Cash+ (VSig) $10k / US Bank Ace (VSig) $10K / Discover IT $10k
Sam's Mastercard $8.5k / Walmart Mastercard $8k / PayPal SmartConnect $5.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.55k / Citi DC (WMC) $3k
Gardening Date 5/8/15 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
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