Credit Cards

[mjbfan79]

I requested a  CLI from Orchard Monday was denied why did i just log into my account an notice my credit limit is not $500 anymore it's now $700.

I hope it's not a error an wake up tomorrow an it's back to $500 lol. I did tell the rep on the phone Monday that i will most likely cancel the account sometime this month if i didn't get a increase. Maybe h spoke with a supervisor an they just gave it to me to keep me happy.

[oracles]

Very nice MJB

Congrats

[fender]

Grats!  Mine went from 320 to 720 last night.  I guess they were just giving out CLI yesterday.

[REgnlor]

Nice!!!  Love nice surprises!!!  WTG.

[scottie_mommy]

You guys really gave me hope.

My Orchard anniversary is in May I'm hoping and praying for a CLI and maybe even getting my AF waived.

Congrats on your CLIs, I hope to jump on that bandwagon soon!

[fender]

have you not had any CLI yet?  All my CLI from orchard were auto.

Started at $300

6 months  $320  (lol)

9 months  $720 (nice!)

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scottie_mommy wrote:

You guys really gave me hope.

My Orchard anniversary is in May I'm hoping and praying for a CLI and maybe even getting my AF waived.

Congrats on your CLIs, I hope to jump on that bandwagon soon!

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[mjbfan79]

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fender wrote:

have you not had any CLI yet?  All my CLI from orchard were auto.

Started at $300

6 months  $320  (lol)

9 months  $720 (nice!)

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This was my first auto CLI

Start $300

Request 5 months $400

Request 8 months $500

Auto 12 months $700

[FretlessMayhem]

Congrats! At least some lenders are still auto-CLI'ing in the credit crunch.

[guydiver]

Congrats!!!!! on the increase. Looks like Orchard might be spreading some LUV for a change.

[creditreformer]

nice for those who get it, but others may find themselves having the orchard experience I've had.  mind you I have NEVER been late, overlimit, etc. on the acct.  pif, carried a balance, sockdrawered, used A LOT (3-6x cl/mo.) etc.   literally tried everything to inspire them to give me a lci.

 

2 accts opened 1/07- both 300 cli

 

NO CLIS ever.  comboed the 2 into 1 in hopes of getting a CLI- nope, but whee, now I have 1 orchard w/600 cl.

 

called + threatened to cancel bazillion x- NO cli offers.  LIED to + said accts were always reviewed, but mine were NEVER reviewed.  they did however offer to take a HARD inq AND charge me if I wanted a cli- but they would NOT guarantee a cli, so I passed.

 

@ the 22 MONTH MARK, called + threatened to cancel again.  FINALLY given ONE 200 cli + had af waived 50%.

 

in the meantime, best buy hsbc mc has given me TWO clis in 2 months- 300 cl starting, 150 cli @ activation, 200 auto cli on SECOND stmt.  cc is used the SAME way I've used orchard for 2 yrs.

 

now go figure THAT out lol 1 would think they would give the OLDER cc clis first, but such is the quirkiness of hsbc.

Just presenting the other side of the coin b/c like target, hsbc is quirky