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
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.
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.