Credit Cards Center Credit cards from our partners
Established Member
Posts: 12
Registered: ‎09-13-2008

Orchard Bank secured card

Hey Everyone,


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.



Established Contributor
Posts: 586
Registered: ‎03-03-2009

Re: Orchard Bank secured card

I haven't heard of anyone being able to convert their Orchard Bank secured card. I would keep the account open and apply for a Capital One card and a BoA secured card.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.