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Valued Member
Posts: 60
Registered: ‎09-19-2007
0

Orchard Bank CC

I have has an Orchard bank unsecured credit card for about 1 1/2 years.  It started with a $300 limit and after 6 months, they upped it to $500.  Has anyone requested a credit line increase from them.  I want to increase my available credit to increase my scores.  I have never been late and always pay more than the minimum.

 

TU - 649

EXP - 656

EQ - 673

Valued Contributor
Posts: 1,986
Registered: ‎08-17-2007
0

Re: Orchard Bank CC

they would only give me clis when they felt like it.  But i just got an offer to apply (I closed them quite awhile ago.)  I don't want another card so  i didn't apply.  They were much better than HSBC. 
Established Contributor
Posts: 767
Registered: ‎08-11-2008

Re: Orchard Bank CC

 I think HSBC & Orchard are the same, different names same parent company.

Starting Score: 685
Current Score: 685
Goal Score: 750


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Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
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Re: Orchard Bank CC

I have 2 cards with them.

 

On one card, I got 2 increases from them without me having to ask for an increase.

 

On the other, I had to ask for the only increase I have received, which was $100, & I had to pay $25 to get it.  Smiley Sad

 

I'm in the process of trying to combine them.  I should have asked for increases first!

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Valued Contributor
Posts: 1,986
Registered: ‎08-17-2007
0

Re: Orchard Bank CC

[ Edited ]

It;s hard to believe they are the same company.   I find HSbC much harder to deal with. Orchard is decent except for the a/f which they refused to drop.  No fee on HSBC but high interest rate and you have to give them your first born to get a cli.  I started with them in 11/03 and got 2 clis for a total of 900.00.

 

I never had to ask for cli from Ochard. 

Message Edited by casinoannie97 on 04-30-2009 02:16 AM
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
0

Re: Orchard Bank CC

i believe if you look at the back of the orchard card, it says hsbc on it.
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Valued Contributor
Posts: 1,986
Registered: ‎08-17-2007
0

Re: Orchard Bank CC

they are the same. I got them together after applying for Orchard,they sent me two cards.
New Contributor
Posts: 58
Registered: ‎07-01-2008
0

Re: Orchard Bank CC

I have the Orchard Card with a $300 cl and I asked for a cli at my 1 yr anniversary 03/09 and I received a $600 cli, for a total limit of $900. Same as you Danell, I pay more than the minimum. So, you may stand a chance of approval.GL!! Plus, your score are better than mines were when I asked for a CLI.
New Member
Posts: 4
Registered: ‎04-29-2009
0

Re: Orchard Bank CC

How long is the application process?  I was pre-qualified for a card and when I applied it then said we'll contact you in 10-14 days.  Is this normal or am I getting the run around?
Valued Contributor
Posts: 1,986
Registered: ‎08-17-2007
0

Re: Orchard Bank CC

It is HSBC so be prepared for anything.
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