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Orchard CC Changeover

Regular Contributor

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: 758 Walmart TU 8/2/2015, Amex FICO EX 777 Aug 2015
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AMEX BCE $19,800, Chase Sapphire Preferred $18,000, Chase Freedom $17,000
Macy's Amex $6,000, Barclay's Arrival+ $5,000, Walmart Card $4,500, Capital One QS $2,500,
Capital One QS $2,250, BOA Travel Rewards Visa $2000, Sears Citi MC $1,000
Message 11 of 25
Valued Contributor

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 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 12 of 25
Regular Contributor

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: 758 Walmart TU 8/2/2015, Amex FICO EX 777 Aug 2015
-----------------------------------------------------------------------------------------------------------------------------------------------
AMEX BCE $19,800, Chase Sapphire Preferred $18,000, Chase Freedom $17,000
Macy's Amex $6,000, Barclay's Arrival+ $5,000, Walmart Card $4,500, Capital One QS $2,500,
Capital One QS $2,250, BOA Travel Rewards Visa $2000, Sears Citi MC $1,000
Message 13 of 25
Valued Contributor

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! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 14 of 25
Frequent Contributor

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


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Message 15 of 25
Valued Contributor

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 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 16 of 25
Frequent Contributor

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
Message 17 of 25
Valued Contributor

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.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 18 of 25
Frequent Contributor

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
Message 19 of 25
Valued Contributor

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 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 20 of 25