04-26-2008 04:17 PM
04-26-2008 04:35 PM
04-26-2008 04:45 PM
04-26-2008 05:33 PM - edited 04-26-2008 05:35 PM
04-26-2008 05:50 PM
04-27-2008 07:10 AM
04-27-2008 07:41 AM
Everyone here is on the right track. In fact, to those of you (like me) with TWO Orchard Cards, call them TOLL FREE (at the number at the top of this post) and demand that they COMBINE two accounts into one with a COMBINED credit limit. This will save you on annual fees, and you'll still have the same CL.
The Orchard Card folks at HSBC know they've got a "captive audience" of low-credit-score customers, and sadly... when some of us leave, more new customers take our place. It's a great business "model" but it's also very "bottom-feeding"... just like pawn shops and loan sharks. They're just the lowest of the low.
CALL THEM TOLL FREE EVERYTIME!!!
04-27-2008 09:31 PM