I have had my orchard secured card since april of 2008. Today i decided to call their customer service line to ask when my card would become unsecured and about a credit limit increase. The woman on the line (India) told me that my card would not become an unsecured card and i would not get my $300 deposit back unless i closed the account. Does this sound right? i was under the impression that i would at least get a CLI. It's been a year, this is my only credit card and i always PIF and never carry a balance. Maybe they're just mad because i haven't paid them any interest. Any input would be appreciated.