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Orchard CLI!

Valued Contributor

Orchard CLI!

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.


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Message 1 of 16
15 REPLIES
Valued Contributor

Re: Orchard CLI!

Very nice MJB

 

Congrats

Message 2 of 16
Established Contributor

Re: Orchard CLI!

Grats!  Mine went from 320 to 720 last night.  I guess they were just giving out CLI yesterday.
"WTB Access Number"
Message 3 of 16
Regular Contributor

Re: Orchard CLI!

Nice!!!  Love nice surprises!!!  WTG.


Starting Score:EQ 560t> TU 560EXP 570
Current Score:EQ 674t> TU 697EXP 700
Goal Score:EQ 700> TU 700EXP 700>

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Message 4 of 16
Regular Contributor

Re: Orchard CLI!

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!

Message 5 of 16
Established Contributor

Re: Orchard CLI!

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!)


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!


 

"WTB Access Number"
Message 6 of 16
Valued Contributor

Re: Orchard CLI!


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!)


 

This was my first auto CLI

 

Start $300

Request 5 months $400

Request 8 months $500

Auto 12 months $700

 


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 7 of 16
Senior Contributor

Re: Orchard CLI!

Congrats! At least some lenders are still auto-CLI'ing in the credit crunch.
Here we go again...
Message 8 of 16
Established Contributor

Re: Orchard CLI!

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

Starting Score: 500's
Current Score: 773 EQ(DCU), 757 TU(Barclay), 788 EX(Credit.com)
Goal Score:760 X 3


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Message 9 of 16
Frequent Contributor

Re: Orchard CLI!

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

Message 10 of 16