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New Contributor
Posts: 95
Registered: ‎04-02-2012
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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. :smileysad: 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

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Posts: 12,952
Registered: ‎04-15-2011
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Re: Killed my first card. Bye Orchard! Would have loved to keep you around!

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


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Posts: 15,436
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!
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Posts: 930
Registered: ‎07-30-2011
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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.


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Established Contributor
Posts: 794
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. :smileysad: 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 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
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Mega Contributor
Posts: 16,663
Registered: ‎08-08-2011
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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.

New Contributor
Posts: 95
Registered: ‎04-02-2012
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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 :smileyhappy: 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
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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! :smileyvery-happy:

 

 


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Mega Contributor
Posts: 16,663
Registered: ‎08-08-2011
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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. 


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