11-14-2012 09:10 AM
I've had this $300 limit Orchard Bank card since 2/10 with no increase. I have always kept it paid off at the end of every month and have never paid late. I requested an increase today and was told that they had to do a manual review. Are you kidding me? My credit score has increased far from when they issued it to me and I have good history with them. Not sure how to take this... I just wish they would have increased me on the phone. Anyone have this experience and it turn out positive?
11-14-2012 11:27 AM
I am also in a similar spot, waiting for a manual review as well I've had the card for around 7 months now. I should hear some time this week.
11-14-2012 12:34 PM
What is the deal with manual review? What warrants the need for one? Are they favorable?
11-14-2012 12:50 PM
I honestly have no idea, I called yesterday to check the status since I originally called last week. I was told they were a little backed up so it would take a few days. I don't believe they will be asking me any questions though, from the way it sounded they would get back to me with a decision.
11-14-2012 01:19 PM
I must say I would be suprised if they denied me. My income is good, I have paid them on time every time and I've not had an increase ever! The wait is going to kill me.
11-14-2012 02:07 PM
They did increase for my family from 300 to 400 after 2 year ontime payment . Always PIF. So we end up closed them out after we got another better credit card