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Established Contributor
Posts: 1,048
Registered: ‎12-12-2011
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Orchard Bank Closed!!

Went online and my Orchard Bank card closed. Had the card since Jun 2011, just paid the AF. Now it is closed. I have to call the AR Dept on Monday. Two CLI on my account, perfect payment history.

Walmart / SYNCB - 1,000/12,000 | JCP MasterCard / SYNCB - 5,500 | Dillard's / Wells Fargo - 5,000 | Amazon / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/3,700 | Bank Of America 123 Cash Back - 12,000 | Wells Fargo - 300 | AMEX Hilton HHonours - 2,000 | PenFed Platinum Rewards Visa Signature - 30,000 | PenFed Travel Rewards AMEX - 10,000 | PenFed PLOC - 5,000 | PenFed Thrifty Credit - 500 | Discover IT - 8,800 | Wyndham / Barclays - 2,500 | Citi Simplicity - 3,800 | Amazon.com Visa Signature - 5,000 | Chase Freedom Visa Signature - $6,200.
Contributor
Posts: 322
Registered: ‎10-19-2012
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Re: Orchard Bank Closed!!


corymcd88 wrote:

Went online and my Orchard Bank card closed. Had the card since Jun 2011, just paid the AF. Now it is closed. I have to call the AR Dept on Monday. Two CLI on my account, perfect payment history.


If I am correct Orchards closes accounts they feel are inactive.

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Established Contributor
Posts: 1,048
Registered: ‎12-12-2011
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Re: Orchard Bank Closed!!

I use it all the time.

Walmart / SYNCB - 1,000/12,000 | JCP MasterCard / SYNCB - 5,500 | Dillard's / Wells Fargo - 5,000 | Amazon / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/3,700 | Bank Of America 123 Cash Back - 12,000 | Wells Fargo - 300 | AMEX Hilton HHonours - 2,000 | PenFed Platinum Rewards Visa Signature - 30,000 | PenFed Travel Rewards AMEX - 10,000 | PenFed PLOC - 5,000 | PenFed Thrifty Credit - 500 | Discover IT - 8,800 | Wyndham / Barclays - 2,500 | Citi Simplicity - 3,800 | Amazon.com Visa Signature - 5,000 | Chase Freedom Visa Signature - $6,200.
Regular Contributor
Posts: 142
Registered: ‎02-06-2009
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Re: Orchard Bank Closed!!

Might have something to do with Capital One?? :smileyindifferent: I would swear that I read somewhere they were closing the HSBC & Orchard accounts.  You may receive a new card with a new account number. 

NFCU Cash Rewards $14,000/FNBO Platinum $4,600/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $600/Neiman Marcus $3500/Saks5thAve $2250

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 :smileyhappy:
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Valued Contributor
Posts: 1,906
Registered: ‎11-17-2012
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Re: Orchard Bank Closed!!


corymcd88 wrote:

Went online and my Orchard Bank card closed. Had the card since Jun 2011, just paid the AF. Now it is closed. I have to call the AR Dept on Monday. Two CLI on my account, perfect payment history.


That scared the living daylight out of me when you said that!! I had to log into my account to make sure MINE was still active o.O

 

Since you use your card all the time, possibilities are:

 

Your card is in the process of changing over to Capital One. Capital One did mention that some cardmembers would be receiving new account #s and cards, maybe you were one of the few to be chosen for this. Go over your e-mails and letters and see if anything was mentioned pertaining to this.

 

You consistently utilized too much of the credit limit, they deemed you as a risk, and shut you down.

 

You only put very small purchases on it and they figured it wasn't worth keeping you as a customer (if THAT'S the reason then I myself have to up my usage with the card...)

 

Something spooked them recently on your CR and they shut you down.

 

Let's hope it's the first!! Best of luck contacting CSR!

 

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $11.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 764 EQ 704 TU 745 VantageScore 3.0: EX 745 EQ 752 TU 752 Credit Sesame (EX) 754 Credit.com (EX) 788
Established Contributor
Posts: 1,048
Registered: ‎12-12-2011
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Re: Orchard Bank Closed!!

It is all very strange.

Walmart / SYNCB - 1,000/12,000 | JCP MasterCard / SYNCB - 5,500 | Dillard's / Wells Fargo - 5,000 | Amazon / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/3,700 | Bank Of America 123 Cash Back - 12,000 | Wells Fargo - 300 | AMEX Hilton HHonours - 2,000 | PenFed Platinum Rewards Visa Signature - 30,000 | PenFed Travel Rewards AMEX - 10,000 | PenFed PLOC - 5,000 | PenFed Thrifty Credit - 500 | Discover IT - 8,800 | Wyndham / Barclays - 2,500 | Citi Simplicity - 3,800 | Amazon.com Visa Signature - 5,000 | Chase Freedom Visa Signature - $6,200.
Frequent Contributor
Posts: 283
Registered: ‎02-05-2012
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Re: Orchard Bank Closed!!

Instantly checked mine lol..  Hope were being converted.

Last App: 9/16/13
BK Discharge: 6/12
NavyFCU Flagship Visa Sig $10k | NavyFCU nReward Secured $500 | NavChek $5k | Walmart $600 | Capital 1 Quicksilver $750 | Capital 1 Plat $1k | Kays $400 | Amazon $600 | Express $250 |
Established Member
Posts: 74
Registered: ‎07-10-2012
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Re: Orchard Bank Closed!!

Hate this card but bless them for taking a chance on me. Ya know, just for kicks, I called Customer Service last month and asked him if there was any way he could waive the fee. No questions asked and he did it. I normally wouldve never asked!
Established Contributor
Posts: 1,048
Registered: ‎12-12-2011
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Re: Orchard Bank Closed!!


KevinBlock55 wrote:
Hate this card but bless them for taking a chance on me. Ya know, just for kicks, I called Customer Service last month and asked him if there was any way he could waive the fee. No questions asked and he did it. I normally wouldve never asked!

They would not wave the AF for me.

Walmart / SYNCB - 1,000/12,000 | JCP MasterCard / SYNCB - 5,500 | Dillard's / Wells Fargo - 5,000 | Amazon / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/3,700 | Bank Of America 123 Cash Back - 12,000 | Wells Fargo - 300 | AMEX Hilton HHonours - 2,000 | PenFed Platinum Rewards Visa Signature - 30,000 | PenFed Travel Rewards AMEX - 10,000 | PenFed PLOC - 5,000 | PenFed Thrifty Credit - 500 | Discover IT - 8,800 | Wyndham / Barclays - 2,500 | Citi Simplicity - 3,800 | Amazon.com Visa Signature - 5,000 | Chase Freedom Visa Signature - $6,200.
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