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09-21-2009 10:29 AM
I have an Orchard Bank secured credit card and I called the backdoor number and requested that it be unsecured. I had called last month and the person I spoke with told me to call back next month which I did today and I was told they would review the account and send a letter in the mail with their decision.
Has this happened to anyone else?
09-21-2009 10:35 AM
How long have you had it? Mine automatically went unsecured at 12 months.
How is your activity?
09-21-2009 10:44 AM
09-21-2009 11:19 AM
Chase sucks. I would be so irked!
I see no reason why Orchard would hoard your money now. I would push it to get unsecured. Not fair!!
You have more than proven yourself by now. Not to mention, atleast when I signed up it clearly stated it would unsecure with good history!!
09-21-2009 02:47 PM
I don't know what's going on at Orchard. I am awaiting their letter to see what it says, When I do the preapproval for the soft pull, it comes back approved at 14.99% and $59 annual fee, but I don't know what the limit would be. Since Orchard is my only cc, I can't even threaten to close it, so hopefull they will convert it and increase the limit. I have applied for the Discover Student card and was declined, as well as the Macys card and declined also. I am just going to wait awhile before I do anything else. I need more cc to improve my mix of credit. Hopefull my car loan will help when it starts reporting.
TU 669 9/6/09
EQ 660 8/31/09
EX 682 8/26/09 (LO pull) approved for car loan $24,000 at 5.49%
09-21-2009 03:02 PM
09-21-2009 03:45 PM
I have a bk from 7 years ago and a medical bill that I am disputing, these are the only 2 baddies. I called them to recon and they said to wait for the letter. I am not applying for anything for awhile
09-21-2009 08:02 PM
09-22-2009 08:31 AM
Thank you for your response. I was about to start worring about my mix. Now I will just have 1 CC with $300 limit, the car loan (which has not been reported as yet, picking up the car today) and I have student loan (all in good standing). No more applying for me for now. Hopefully Fico sees me as being good.
1 bk off 3/2013 and 2 accounts with lates that I am still GWing.
EQ 8/31/09 - 660
TU 9/6/09 - 669
EX 9/17/09 - 682