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Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Re: Orchard Bank CC anyone? How long? CLI's?

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!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 1,292
Registered: ‎08-19-2012
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Re: Orchard Bank CC anyone? How long? CLI's?


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!

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

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New Contributor
Posts: 54
Registered: ‎04-17-2009
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Re: Orchard Bank CC anyone? How long? CLI's?

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.

Creditkeeper 6/12
TU: 678
EQ: 665
EX: 673
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Established Contributor
Posts: 515
Registered: ‎01-09-2013
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Re: Orchard Bank CC anyone? How long? CLI's?

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. 

Senior Contributor
Posts: 6,276
Registered: ‎08-16-2012
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Re: Orchard Bank CC anyone? How long? CLI's?

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!
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