Credit Cards

[MovingForward_2012]

Yes I would like to have the OB card PC'd to something else as it has a $59 AF w/ no rewards. But the interest rate is lower than what I have on the Freedom...go figure!

[ryanbush]

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MovingForward_2012 wrote:
Yes I would like to have the OB card PC'd to something else as it has a $59 AF w/ no rewards. But the interest rate is lower than what I have on the Freedom...go figure!

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My interest rate on my OB card is 9.9, which is my lowest... of course it has been opened for 6 years... it just keeps going down

[SlabOfBacon]

I got a $300 limit Orchard Bank card back in 2007. It's now one of my oldest accounts. ("Cash is king" destroyed my AAoA, unfortunately...)

The limit now is $1800. Up until the CapOne buyout, I was able to get a $100 CLI pretty much every time I called in and asked. Once I got a $200 one automatically. 

I have never had any problems with the card, and my interest rate is one of the *lower* ones. %13.40 as of my last statement. This means they actually lowered it *again* since the last time I checked. 

Zero complaints about Orchard Bank from me.

[blunderer]

I've had my Orchard Bank card for almost 6 years.  It started at $300 and is now $800 all auto CLI in increments of $100.  Since coming across this forum I've had the AF waived. Thanks again everyone for all the valuable tips.  I only hold on to the card because it's my oldest TL and I've never had any issues with Orchard. 

[youngandcreditwrthy]

I got an OB Gold in 2006. Started at $500 w a $79 AF. Got the AF perm reduced to $39 in 2009. Ive rec'd clis of $200 annually. Apr is 13.99%. This year, they waived half of my AF to 19.50. I never use this card, but it's my second oldest tradeline. Current limit is $1700. I want a higher limit for my FICO's sake, but I'm not dealing with the whole EO thing again. What a hassle!!
Good luck!