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Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

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

Even though it produces toxic fumes, I always prefer the card melt down over the shredder!


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

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


coldnmn wrote:

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


My memory is that is 60 days.    I expect you should call them about it.   Not  sure if they would do it automatically.

 

Contributor
xboxrunner
Posts: 139
Registered: ‎05-30-2011

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

 

 


Orchard was my stepping stone as well, out with the old and in with the new!


Experian (CreditSesame)- 821 (7/2/14), 761 (Citi-4/26/13), 821 (Credit.com-7/2/2014)
Equifax Fico (MyFico) Fico- 745 (7/15/11)
Transunion (Credit Karma)- 789 (7/2/14)
Vantagescore (Credit Karma)- 894 (7/2/14)
Regular Contributor
EandK23
Posts: 178
Registered: ‎09-12-2012

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

Congrats!!

New Contributor
Funk-O-Meter
Posts: 90
Registered: ‎04-02-2012

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

So I got a statement in the mail from Orchard with the annual fee on it. I called them and they said it will be taken off automatically and that my balance was zero and I'd get another statement saying so. So I didn't have to ask it just came off automatically. Done.. and...done!

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

Chase Freedom 3k, Chase Slate 5k, Amex Blue Cash 6k, Discover More 1.5K

RIP: Orchard/Cap1 520CL

TU:702
EQ: 698

Down from 747 cause I used em' :smileysad:

Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012

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

Welcome to primeville.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

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

LMAO @ smore making from orchard plastic! AWESOME!!



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
Frequent Contributor
journey258
Posts: 265
Registered: ‎05-28-2012

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

Calling to cancel my Orchard Card account tomorrow. It served me well, I have nothing bad to say. Without them, I wouldn't be where I am now. Thanks Orchard!

 


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Established Member
learnandlearn
Posts: 41
Registered: ‎07-17-2009

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


journey258 wrote:

Calling to cancel my Orchard Card account tomorrow. It served me well, I have nothing bad to say. Without them, I wouldn't be where I am now. Thanks Orchard!

 


Doing the same thing tomorrow. It did serve me well but I haven't used it in a while and now that I have been approved for a prime card, I don't see a reason to hang on to it..

New Contributor
Funk-O-Meter
Posts: 90
Registered: ‎04-02-2012

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

Yea even if they would have waved the AF for a year or given me a substantial CLI I would have kept it.  But all they offered me was to half the AF even after I told them what other prime cards I had now and what CL's they had. Next on the chopping block is my bank who's never done anything for me expect been convenient on my way to work. I've just opened a Virtual Wallet account with PNC and I'm checking them out before I switch. I'm tired of banks taking my money and doing squat for me! No more!

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

Chase Freedom 3k, Chase Slate 5k, Amex Blue Cash 6k, Discover More 1.5K

RIP: Orchard/Cap1 520CL

TU:702
EQ: 698

Down from 747 cause I used em' :smileysad:


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