Orchard Bank Annual Fee Waiver

[shane82388]

So my orchard bank statment cuts tomorrow and im going to pay it off once thier website works again tomorrow but i was planning on asking for a waiver of the $59 annual fee...

should i just call tomorrow and ask or am i likely to get laughed off the phone? Is it too late since they are now capital one?

[LS2982]

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@shane82388 wrote:

So my orchard bank statment cuts tomorrow and im going to pay it off once thier website works again tomorrow but i was planning on asking for a waiver of the $59 annual fee...

should i just call tomorrow and ask or am i likely to get laughed off the phone? Is it too late since they are now capital one?

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Its always worth a shot!

How long have you had the card and do you really need it? If you don't, I would threaten closure if they dont!

[boomhower]

Not going to happen but they will likely cut it in half.  I've never heard of it being completely waived.  I closed mine for this very reason. It's a rebuilder card and as such has an AF, once you credit allows you to move on do so and ditch them and the fee.

[GST2008]

Call and ask for it to be waived.  The worst case scenario, is they say no.  The best case scenario is that they waive it and you save the $59.00.  Other people have reported that they were successful in getting the fee waived or reduced.  I doubt that they will laugh at you, and if they do, who cares what a CSR at Orchard Bank thinks?

[Anonymous]

They waived my AF last month on both cards - I have had them since 2006/2007