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Valued Contributor
Posts: 1,986
Registered: ‎08-17-2007
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Re: Orchard Bank CLI & Backdoor #

I've since closed this card but I started at 700 and ended with 1300.  The clis were automatic.  When they opened this acct. they also opened HSBC for 1000.  They sent me 2 cards.Smiley Surprised  To get a cli with HSBC you have to give your first born and a hard inquiry.
Regular Contributor
Posts: 129
Registered: ‎04-01-2009
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Re: Orchard Bank CLI & Backdoor #

Yes, what did you say? I can't get any love from them at all. I also have a HSBC card and they at least gave me a $100 increase in March...

Discharged 4/28/2016

Current scores as of 2/06/2017

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Frequent Contributor
Posts: 443
Registered: ‎03-22-2008
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Re: Orchard Bank CLI & Backdoor #

I have 2 cards with Orchard that I've had for years.  I was able to get the CLI when I first opened them, 2 each in the first year.  Since then nothing even though they are paid in full every month w/ 3 years of good history.  I was told that I do not get the increases b/c I don't use them enough (sock drawer cards that Netflix and cr monitor go on).

TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Valued Contributor
Posts: 1,986
Registered: ‎08-17-2007
0 Kudos

Re: Orchard Bank CLI & Backdoor #

[ Edited ]

they are both tough.  i kept the HSBC card open (no fee) and closed Orchard when they would not waive fee.  Like I said they gave me 2 auto increases.  HSBC gave me two $400 and 500. but i had to beg.  I haven't asked for anything in a long time.  Use it once in awhile and pif.  High interest.  Bad card.


Orchard has been sniffing out new business on line.

TU  733    EQ   698   EX Plus  761

Message Edited by casinoannie97 on 06-06-2009 10:02 AM

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