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Senior Contributor
youngandcreditwrthy
Posts: 6,163
Registered: ‎08-16-2012
0

Re: ORCHARD BANK EO

Does anyone know if C1 will move over an OB credit line to a C1 credit line? I want to close my $1700 OB and move it to my $5k C1!
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Frequent Contributor
tattooedhusker
Posts: 498
Registered: ‎10-25-2012
0

Re: ORCHARD BANK EO


youngandcreditwrthy wrote:
Does anyone know if C1 will move over an OB credit line to a C1 credit line?

To an existing C1 line, or OB to a new C1? Because, all OB lines will be an official C1 line by this summer.

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Contributor
missji
Posts: 93
Registered: ‎08-21-2011
0

Re: ORCHARD BANK EO

[ Edited ]

youngandcreditwrthy wrote:
Does anyone know if C1 will move over an OB credit line to a C1 credit line? I want to close my $1700 OB and move it to my $5k C1!

Earlier this month I emailed the CEO and got a call from a rep in the EO for C1.  She told me that she would handle my C1 request and forwarded my request to her counterpart for OB since the conversion is not yet complete.  I got a CLI on the C1 card with a soft pull (I confirmed with her that it was a SOFT and it was).  I also asked her if they would be combining accounts in the future and she said that it was unlikely since they don't even do it for two C1 accounts.

 

For the OB card, a different person called me from that EO and told me that it would be a HARD pull for them to do a manual review for a CLI on the OB card.  I declined because I didn't want an inquiry due to an OB inquiry that would probably be denied anyway! 

 

Hope this all helps...

 


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Contributor
hersheykisses
Posts: 114
Registered: ‎05-10-2010
0

Re: ORCHARD BANK EO

Just spoke to EO today no combining capital one card with HSBC/Orchard card they will be two separate accounts, HP required for any orchard CLI request.

Valued Member
Jkusa
Posts: 38
Registered: ‎10-15-2012
0

Re: ORCHARD BANK EO


missji wrote:

youngandcreditwrthy wrote:
Does anyone know if C1 will move over an OB credit line to a C1 credit line? I want to close my $1700 OB and move it to my $5k C1!

Earlier this month I emailed the CEO and got a call from a rep in the EO for C1.  She told me that she would handle my C1 request and forwarded my request to her counterpart for OB since the conversion is not yet complete.  I got a CLI on the C1 card with a soft pull (I confirmed with her that it was a SOFT and it was).  I also asked her if they would be combining accounts in the future and she said that it was unlikely since they don't even do it for two C1 accounts.

 

For the OB card, a different person called me from that EO and told me that it would be a HARD pull for them to do a manual review for a CLI on the OB card.  I declined because I didn't want an inquiry due to an OB inquiry that would probably be denied anyway! 

 

Hope this all helps...

 


Same exact senario for me, except I let OB do the HP. They approved and doubled up my CL to 5k

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Contributor
missji
Posts: 93
Registered: ‎08-21-2011
0

Re: ORCHARD BANK EO


Jkusa wrote:

missji wrote:

youngandcreditwrthy wrote:
Does anyone know if C1 will move over an OB credit line to a C1 credit line? I want to close my $1700 OB and move it to my $5k C1!

Earlier this month I emailed the CEO and got a call from a rep in the EO for C1.  She told me that she would handle my C1 request and forwarded my request to her counterpart for OB since the conversion is not yet complete.  I got a CLI on the C1 card with a soft pull (I confirmed with her that it was a SOFT and it was).  I also asked her if they would be combining accounts in the future and she said that it was unlikely since they don't even do it for two C1 accounts.

 

For the OB card, a different person called me from that EO and told me that it would be a HARD pull for them to do a manual review for a CLI on the OB card.  I declined because I didn't want an inquiry due to an OB inquiry that would probably be denied anyway! 

 

Hope this all helps...

 


Same exact senario for me, except I let OB do the HP. They approved and doubled up my CL to 5k


Congratulations! (I'm insanely ticked at myself right now for not taking the HP!)


NEW GARDEN CLUB MEMBER as of 3/23/2013. No activity until 8/2015 unless it's an auto CLI.
Starting Score:
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Current Score (as of 3/19/2013): 663
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New Contributor
rushx2112
Posts: 119
Registered: ‎03-12-2013
0

Re: ORCHARD BANK EO


kerbear1969 wrote:

Just spoke to EO today no combining capital one card with HSBC/Orchard card they will be two separate accounts, HP required for any orchard CLI request.


Guess I lucked out then... SP for my Orchard

Moderator
09Lexie
Posts: 25,012
Registered: ‎09-13-2012
0

Re: ORCHARD BANK EO

My DH got an APR reduction and AF waived but no CLI at this time....that was about 3 weeks ago
Frequent Contributor
ihatemyscore
Posts: 283
Registered: ‎02-05-2012
0

Re: ORCHARD BANK EO

I just recieved a CLI from 300 to 1000 and a annual fee waiver. No APR reduction from Capital One EO but ORCHARD BANK EO..

 

So YES THEY ARE GIVING INCREASES! I OPENED MY ACCOUNT MAY 2012 RECIEVED INCREASE 4 DAYS AGO! BAM!!

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Established Member
ttaurean30
Posts: 38
Registered: ‎03-16-2013
0

Re: ORCHARD BANK EO


ihatemyscore wrote:

I just recieved a CLI from 300 to 1000 and a annual fee waiver. No APR reduction from Capital One EO but ORCHARD BANK EO..

 

So YES THEY ARE GIVING INCREASES! I OPENED MY ACCOUNT MAY 2012 RECIEVED INCREASE 4 DAYS AGO! BAM!!


Aint that a B****!! They told me they were not doing cli's..

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