Credit Card Center Advertiser Disclosure†
02-03-2013 12:37 AM
02-03-2013 05:55 AM
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!
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
02-03-2013 02:04 PM
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.
02-06-2013 07:23 PM
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.
02-07-2013 05:25 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.