Reply
Contributor
Posts: 101
Registered: ‎08-28-2008
0

Re: Orchard CC Changeover

I got the mail as well. Transition in July.

 

Yesterday, I sent an Email to Cap One EO requesting CLI on my Orchard Bank card. Let's see how they respond.

___________________________________________________________________________
Recent Scores: 767 Walmart TU 1/6/2015, 760 Credit Karma 1/13/2015
-----------------------------------------------------------------------------------------------------------------------------------
AMEX BCE $19,800, Chase Sapphire Preferred $18,000, Chase Freedom $17,000
Macy's Amex $6,000, Walmart Card $4,500, Capital One Platinum MC $2,500,
Capital One QS $2,250, BOA Travel Rewards Visa $2000, Sears Citi MC $1,000
Valued Contributor
Posts: 1,896
Registered: ‎03-30-2012
0

Re: Orchard CC Changeover


petarap wrote:

I got the mail as well. Transition in July.

 

Yesterday, I sent an Email to Cap One EO requesting CLI on my Orchard Bank card. Let's see how they respond.


They will probably ask to HP you. And give you $100 increase. I'd know...this happened to me. I'd rather just wait....

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9550
Contributor
Posts: 101
Registered: ‎08-28-2008
0

Re: Orchard CC Changeover

@injustifiiable: If they called me, I would not go for HP. I would just leave it as it is.

___________________________________________________________________________
Recent Scores: 767 Walmart TU 1/6/2015, 760 Credit Karma 1/13/2015
-----------------------------------------------------------------------------------------------------------------------------------
AMEX BCE $19,800, Chase Sapphire Preferred $18,000, Chase Freedom $17,000
Macy's Amex $6,000, Walmart Card $4,500, Capital One Platinum MC $2,500,
Capital One QS $2,250, BOA Travel Rewards Visa $2000, Sears Citi MC $1,000
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Orchard CC Changeover

Yes I got it too yesterday. My OB will be Cap1 Platinum. I don't like the gray card so I will be customizing it.
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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
0

Re: Orchard CC Changeover

Hmmm I wonder what they'll do with me I already have 2 cap1. But I do have a 3k limit I'm hoping a better option but probably crappy platinum mc or visa
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 1,896
Registered: ‎03-30-2012
0

Re: Orchard CC Changeover


sarkell wrote:
Hmmm I wonder what they'll do with me I already have 2 cap1. But I do have a 3k limit I'm hoping a better option but probably crappy platinum mc or visa

Maybe once it's over and done with, hit up the EO for PC to one of the Venture cards?

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9550
Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
0

Re: Orchard CC Changeover

I really want them to match my csp which I plan on asking in sept/oct pc to cash rewards wo af. Then cancel mc & visa. Now I have two more prime cards trying to have less cards with better benefits.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 2,656
Registered: ‎06-05-2008
0

Re: Orchard CC Changeover


Simply827 wrote:

Yesterday I received a packet from Cap one regarding my Orchard Bank card. It appears it will change over to a Cap 1 Mastercard in July. However, it didn't detail what my terms would be, so I'm guessing I'll still have the same crappy APR, CL, and AF. And now I'll have 2 of the same card.

 

I hope there are more options for changes in the future, otherwise I'll likely get rid of both. It's looks like we may still have to go through the EO to get anything done even after the transition is complete.


I got the same letter stating that my card would be a Cap1 Platinum Mastercard as of July.  I had one of those before with no AF and the EO turned it into a 10k green cash for me with a soft pull.

 

My OB card also has no annual fee (the OB EO removed it for life).  On the Cap1 website, there are three "Platinum Cards" listed.  The Platinum Prestige has no AF, but is only for those with "Excellent Credit".  The other two, Platinum and Classic Platinum have fees at 19 and 35, and are for those with "Average" credit.

 

It will be interesting to see how this plays out.  My guess is all of the OB cards end up as Average Platinum cards, but it is possible that they will sort us by score with soft pulls.  Either way, I will be contacting the EO for a product change once I have mine.

12-15-14: FICO EXP: 813 - EQU:802 - TRAN: 756 - AVG: 790 +240 points from JUN 2008 - MY CREDIT JOURNAL

Frequent Contributor
Posts: 348
Registered: ‎02-27-2013
0

Re: Orchard CC Changeover

Received my letter I'm getting a platinum visa uh well maybe in the fall I can get a pc well see.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 1,161
Registered: ‎02-03-2013
0

Re: Orchard CC Changeover

You may want to check your inquires, they hard pulled me back in December, all three CB's, for my Furniture Row-Oak Express account

that was backed by House Hold, never asked just did it automatic


Starting Score TU 667 EQ 663 EX 655
Current Score TU 721 EQ 719 EX 717 Last Update 8/2014
Garden Club 04/10/2013 (Goal 2015 or Longer)



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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.