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