Credit Cards

[shane82388]

Just an update for those with Orchard Bank annual fees coming up. I called in and asked them if they would waive my annual fee and the lady asked if it would effect my choice of keeping the card or not...I said maybe since i have way better cards and this one is just sorta being kept open for no reason, and with it costing me $59 a year i dont see a lot of point in keeping in.

Gave some spiel about how its a credt credit builder and helps me, blah blah...then said she would waive it no problem.

So go give it a try!

[Whereis750]

Thanks for the info! Did you just call the number on the back of the Orchard Bank Card? What about asking for a CLI? Any experience with that? Soft/hard pull?

[shane82388]

I asked about cli and said I just got one, but she said they don't actually pull credit so I said sure why not. Declined cus I recently got one but they are generally soft from an internal type system.

I called the backdoor number but they had to transfer me somewhere else because they don't deal with account waivers...which is how I got started talking about the cli, since I was on the phone with that dept.

[Whereis750]

Sounds good - would you mind PMing me the Blackdoor number you used?

[shane82388]

Its stickied on the backdoor numbers thread. It's listed under HSBC.

[Whereis750]

Thanks. Can HSBC still make decisions after selling to Cap One.

[shane82388]

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Whereis750 wrote:
Thanks. Can HSBC still make decisions after selling to Cap One.

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apparently...

i got a thing in the mail notifying of the swtich over and it basically said nothing is going to change for the time being. same phone numbers, same account numbers, same HSBC (or orchard, whatever) branding....

[payingoffdebt001]

My annual fee is coming up any day now so I may be too late. I did try calling but they are closed - will try in the morning.

Thanks for posting, I forgout about mine coming up!

[Ridbidge]

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payingoffdebt001 wrote:

My annual fee is coming up any day now so I may be too late. I did try calling but they are closed - will try in the morning.

Thanks for posting, I forgout about mine coming up!

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They wouldn't waive my $79 fee a few months ago, so I closed it.

[payingoffdebt001]

NO waived fee for me either - my account hits 1 year this month and my fee will be charged in 2weeks. They gave me some line on how they can not waive the fee and how this fee helps with the processing of invoices and phone calls...blah blah blah   59.00 fee