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New Contributor
BullsEye10
Posts: 81
Registered: ‎03-26-2012

Orchard Bank to Capital One ...

I just got notice that my Orchard Bank card is now a Capital One card.  

 

Considering I already have a Capital One card, should I ask them to simply combine the credit limits and close the Orchard Bank?

 

Thanks! 

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Senior Contributor
Ron1
Posts: 4,483
Registered: ‎05-23-2009

Re: Orchard Bank to Capital One ...

According to FAQ, you cannot combine CL between Cap1 and Orchard Bank right now.

 

 

Ron.

Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011

Re: Orchard Bank to Capital One ...


BullsEye10 wrote:

I just got notice that my Orchard Bank card is now a Capital One card.  

 

Considering I already have a Capital One card, should I ask them to simply combine the credit limits and close the Orchard Bank?

 

Thanks! 


I have Cap One and Orchard also. You cant do it.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

Re: Orchard Bank to Capital One ...

You should wait and see what they offer.  

Established Contributor
corymcd88
Posts: 720
Registered: ‎12-12-2011

Re: Orchard Bank to Capital One ...


Wolf3 wrote:

You should wait and see what they offer.  


I agree, im waiting to see what i will get out of it.
Walmart / GECRB - 3,300/6,000, JCP / GECRB - 1,000, Dillard's / GECRB - 1,000, Amazon / GECRB - 1,500, Chevron / GECRB - 1,000, Belk / GECRB - 1,000, Aeromexico Visa / US Bank - 300, Capital One - 375/1,250, Bank Of America 123 Cash Back - 1,000, Wells Fargo - 300, AMEX ZYNC - NPSL, AMEX Delta Gold - 1,000, USAA AMEX - 250.
Regular Contributor
gypsysoul
Posts: 157
Registered: ‎09-02-2011

Re: Orchard Bank to Capital One ...

 i wonder if they are doing this to all orchard bank cards

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New Contributor
aggieguy
Posts: 60
Registered: ‎06-27-2009

Re: Orchard Bank to Capital One ...


gypsysoul wrote:

 i wonder if they are doing this to all orchard bank cards


Yes, all Orchard Bank cards are now owned by Capital One.



My Wallet: Discover $1500, CapitalOne Green $1500, Amex Zync NPSL, CU of TX $3000, Amazon Store $1000, Barclay Apple $1300

Chopping block: CreditOne $600, BestBuy $600, CapitalOne $500, CapitalOne $500
Contributor
tbolt2
Posts: 84
Registered: ‎03-11-2011

Re: Orchard Bank to Capital One ...

Old Inquiry from 2010/2011 on my CR from HSBC is now reporting as

Capital One/HSBC

 

The account item on the CR has not been changed yet. Still reporting as

HSBC Bank

 

I have not received anything from them yet regarding any changes


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+


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New Contributor
laracing
Posts: 71
Registered: ‎02-15-2012

Re: Orchard Bank to Capital One ...

I have not received anything in the mail yet - I have 2 orchard bank cards in addition to 2 Capital One cards

Starting Score: 580 - November 2011

Current Score: 655 Equifax, 706 Experian

Capital One Plantium $2.5K / Orchard Bank $800 / Orchard Bank $500 / Capital One Green Card $1K new account 3/2012 / Macy's 3/2012 App $300/ Amex Zync No Psl / Kohls $600 3/2012/ Discover Card $1.5K/Chase Freedom 4/2012 App, 3K, Chase Southwest Airlines $7K, 05/2012 App.

Time to garden
New Contributor
SlabOfBacon
Posts: 54
Registered: ‎04-17-2009

Re: Orchard Bank to Capital One ...

I'm in the same boat..

 

Orchard: $500

Orchard Platinum: $1600 (They've been giving me CLIs every so often, and the interest rate is 13.95% on my last statement)

 

CapitalOne: $750 ($500 then $750, been that way for over a year)

Capital One rewards: $1250 ($750 original, then $1250, no CLIs otherwise)

 

I was going to close the two lower limit cards, but I really do wonder what Capital One is going to do. If you remember from another thread I posted, I tried to call Orchard to close the $500 limit card but could never get through to anybody. I'm just letting the lower limit cards sit around with $0 balances right now.

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