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Orchard Bank CLI!

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Anonymous
Not applicable

Orchard Bank CLI!

Hey everyone....

 

To my surprise, I logged onto my Orchard Bank account today to see what my balance was.  I plan to pay off four of my five cards next week after I get my bonus from work.  Well, out of the blue, Orchard/HSBC gave me a $200 cli to $700.  I have had this card since 2005, and it was the first card I got when rebuilding.  It started out with a $300 limit, and I have tried to get increases online, but it always tells me to call and talk to a CSR.  I have called a couple times and paid their ridiculous credit limit increase fee twice, so I was up to $500 after 5 years with them.  Well, I guess I have finally proven myself worthy of the gift of a non-requested CLI.  It only took 5 years of perfect payment history, and never going over the limit to get the CLI. Oh, and I always pay way more than the minimum payment, too. The interest rate is outrageous, and barely any sort of limit, but it is my oldest card, so I keep it around any buy one or two things a month on it.

 

Has anyone else gotten a non-requested CLI from Orchard lately?

Message 1 of 20
19 REPLIES 19
armymom
Regular Contributor

Re: Orchard Bank CLI!

I logged onto mine over the weekend as well and found they had raised my cl by $200 to $1300. Smiley Happy
Filed BK 07/07/15 Discharged 10/07/15
Starting scores 11/2015 EQ 567 TU 487 EX 531
Current scores 02/2017 EQ 649, TU 642, EX 651

Cap 1 QS 5000 Cap 1 QS 6500, PenFed Promise 2500, NFCU GoRewards 8000 NFCU CLOC 4000
In the garden until 2018
Message 2 of 20
laz98
Senior Contributor

Re: Orchard Bank CLI!


@armymom wrote:
I logged onto mine over the weekend as well and found they had raised my cl by $200 to $1300. Smiley Happy

wow, that is fantastic!  they probably got around to looking at your scores Smiley Wink

Message 3 of 20
fused
Moderator Emeritus

Re: Orchard Bank CLI!


armymom wrote:
I logged onto mine over the weekend as well and found they had raised my cl by $200 to $1300. Smiley Happy

That is fantastic! I cannot remember the last time I've seen Orchard give such a big CLI. Laz is more than likely right, OB looked at your beautiful FICOs. Congrats!

Message 4 of 20
armymom
Regular Contributor

Re: Orchard Bank CLI!


@fused wrote:

@armymom wrote:
I logged onto mine over the weekend as well and found they had raised my cl by $200 to $1300. Smiley Happy

That is fantastic! I cannot remember the last time I've seen Orchard give such a big CLI. Laz is more than likely right, OB looked at your beautiful FICOs. Congrats!


Sorry all.  They raised my cl $200 from $1100 to $1300.  I didn't think about my wording until I read the congrats.  I think a raise like that from Orchard might cause some of us to faint. lol

Filed BK 07/07/15 Discharged 10/07/15
Starting scores 11/2015 EQ 567 TU 487 EX 531
Current scores 02/2017 EQ 649, TU 642, EX 651

Cap 1 QS 5000 Cap 1 QS 6500, PenFed Promise 2500, NFCU GoRewards 8000 NFCU CLOC 4000
In the garden until 2018
Message 5 of 20
jamesewells
Member

Re: Orchard Bank CLI!

After reading this, I logged in to my account and I have received a $200 CLI, as well.
Message 6 of 20
laz98
Senior Contributor

Re: Orchard Bank CLI!


@armymom wrote:

@fused wrote:

@armymom wrote:
I logged onto mine over the weekend as well and found they had raised my cl by $200 to $1300. Smiley Happy

That is fantastic! I cannot remember the last time I've seen Orchard give such a big CLI. Laz is more than likely right, OB looked at your beautiful FICOs. Congrats!


Sorry all.  They raised my cl $200 from $1100 to $1300.  I didn't think about my wording until I read the congrats.  I think a raise like that from Orchard might cause some of us to faint. lol


LOL...wow, i need to spend more time reading these posts!  thanks for clearing that up for me Smiley Wink

Message 7 of 20
Anonymous
Not applicable

Re: Orchard Bank CLI!

I just read this a minute ago and logged into my account and, sure enough, I got a $200 CLI to $900.  They must be feeling very generous.
Message 8 of 20
laz98
Senior Contributor

Re: Orchard Bank CLI!


@Anonymous wrote:
I just read this a minute ago and logged into my account and, sure enough, I got a $200 CLI to $900.  They must be feeling very generous.

not to me Smiley Sad  but i'm carrying balances on my jewelry store cards that usually aren't there...that may be why.

Message 9 of 20
blazerein
Established Contributor

Re: Orchard Bank CLI!

Got mine today....Logged in to my account and got a $200 CLI.

AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 10 of 20
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