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Orchard Bank proves completely useless

Frequent Contributor

Re: Orchard Bank proves completely useless


MovingForward_2012 wrote:
Yep I agree with -p. I wouldn't close your Orchard card as it is a stepping to a better product with Cap1 once the transition is complete. I asked for a CLI once with HSBC in 2009 and was denied. After that, I just waited for them to increase it themselves.

When did you get the Orchard card? It is odd that you received no increases whatsoever. I am wondering if you got it right before Cap1 took over HSBC. I am going to try to get my AF waived as well.

I opened the card Feb of this year, I believe the Cap One sale happened shortly after that. I am going to call in about the AF and go from there. I use it it for gas every once in awhile just to use it but never carry a balance.

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Message 21 of 27
Valued Contributor

Re: Orchard Bank proves completely useless

That's why. My last increase was like the beginning of 2011. The card has been fixed at 1100 for almost two years. It isn't going up. I use it almost the same way as you and never carry a balance. I try to pay in full 10 days before the due date as it usually reports at the end of the month. We are supposed to receive our Cap1 replacement cards in the spring, I got an email about it a month ago.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 22 of 27
Valued Contributor

Re: Orchard Bank proves completely useless


MovingForward_2012 wrote:
That's why. My last increase was like the beginning of 2011. The card has been fixed at 1100 for almost two years. It isn't going up. I use it almost the same way as you and never carry a balance. I try to pay in full 10 days before the due date as it usually reports at the end of the month. We are supposed to receive our Cap1 replacement cards in the spring, I got an email about it a month ago.

I've seen every possible indication that this is going forward, including confirmation from the exec office.  I have it parked for now - but it sees one charge per month from my Directv bill, so it stays active.  

 

As soon as I get my new shiny Cap1 card to replace the Orchard, I'll probably ask for a PC.  Since I have the green card already, I'll have to see what "Excellent" choices they offer.  Any suggestions are welcome.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 23 of 27
Valued Contributor

Re: Orchard Bank proves completely useless

I have a Household card that I got in Feb 2012...still @ $300. I tried asking for a CLI a couple months ago but couldn't get very far because of "system maintenance".

 

My AF will be due soon and I'll certainly be hitting them up to see if they can waive it. I've never called to request anything like that...what do you normall say?

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 24 of 27
Valued Contributor

Re: Orchard Bank proves completely useless

You could PC to the Venture card.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 25 of 27
Valued Contributor

Re: Orchard Bank proves completely useless

Do you think they would waive the AF on a Venture?

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 26 of 27
Highlighted
Valued Contributor

Re: Orchard Bank proves completely useless

I honestly have no idea. I haven't tried to PC with Cap1 yet but I have read that several have successfully PC'd to Venture. I would do the PC first then ask about the AF. I have held my rewards card for only 5 months.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 27 of 27