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Orchard Bank to Capital One ...

New Contributor

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! 

AMEX Platinum - NPSL (Approved for $75,000.00)
AMEX Gold Business - NPSL
Chase Sapphire Preferred ($22,500.00)
Bank of America Cash Rewards ($5,000.00) - Sock Drawer
Discover ($4,500.00) - Sock Drawer
Capital One Venture ($7,500) - Sock Drawer
18 REPLIES
Super Contributor

Re: Orchard Bank to Capital One ...

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

 

 

Ron.

Frequent Contributor

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

Re: Orchard Bank to Capital One ...

You should wait and see what they offer.  

Valued Contributor

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.
Regular Contributor

Re: Orchard Bank to Capital One ...

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

3/07/12 EQ 600 10/02/12 EQ 688
08/13/12 TU(walmart) 653
09/12/12 EX(plus) 655
New Contributor

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

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

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

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.

Creditkeeper 6/12
TU: 678
EQ: 665
EX: 673
Walmart FICO: 680 (6/12)