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Established Contributor
Breakthecycle2
Posts: 785
Registered: ‎09-15-2008

Orchard and processing time?

So, like usual, I received the Your application is under review. You will hear from us in 10-14 days

 

Bad right?


Starting Score: 454
Current Score: 690
Goal Score: 750


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Community Leader
Senior Contributor
laz98
Posts: 4,291
Registered: ‎09-06-2008

Re: Orchard and processing time?

nah, you'll probably get it.  your scores are not that bad.  mine were worse, & i have 2 orchards!  :smileywink:
Latest scores: Walmart TU: 766. MyFICO TU: ---. DCU EQ: 741. PSECU EX: 756.
Senior Contributor
Wonderin
Posts: 3,494
Registered: ‎05-25-2008

Re: Orchard and processing time?

Bad? Probably not.

Did you have to pay a processing fee? If you're not approved, it usually won't go to that step. If you's paid yer PF, you's got the card!! :smileywink:

BTW, I got a $500 CL with scores around yours .... a tad bit lower, actually, if I remember correctly!! Best of luck!!

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Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007

Re: Orchard and processing time?

Could go either way but usually Orchard is an instant. Call and see if they need more info or something.
Established Contributor
Breakthecycle2
Posts: 785
Registered: ‎09-15-2008

Re: Orchard and processing time?

I did have to pay the $19 processing fee, so who knows. I have a previously charged off HSBC card, that is paid in full.


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Established Contributor
Breakthecycle2
Posts: 785
Registered: ‎09-15-2008

Re: Orchard and processing time?

[ Edited ]
They haven't processed the payment yet....hmmmm
Message Edited by Breakthecycle2 on 10-30-2008 06:14 PM

Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Senior Contributor
Wonderin
Posts: 3,494
Registered: ‎05-25-2008

Re: Orchard and processing time?


Breakthecycle2 wrote:
They haven't processed the payment yet....hmmmm
Message Edited by Breakthecycle2 on 10-30-2008 06:14 PM



They took about a week to process ours. No big, really. We had immediate approval, but every time we logged in to check the status, we got the same "Application is under review" spiel.

For another thing, we, too, had a CO with them ('05 -- paid in full) and they gave us both another chance!!!

So, stop being so negative!!! You've got the card, so just relax!! :smileyhappy:

(Oh, BTW, it took frickin' FOREVER to actually GET the card. Almost 2 1/2 weeks, IIRC. They sure do take their sweet-molasses time!!!)

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Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Established Contributor
Breakthecycle2
Posts: 785
Registered: ‎09-15-2008

Re: Orchard and processing time?

That's the other thing. They have not emailed me my online access either.


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Senior Contributor
Wonderin
Posts: 3,494
Registered: ‎05-25-2008

Re: Orchard and processing time?

Forgot to add: BTW, the "approval" blurb is really hard to spot. It looks just the same as the doofy disclosure crap.

So just because you didn't SEE it, doesn't mean it wasn't there!!! I was only able to see it because I PDF/printed EACH and EVERY page!!!! o_O

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*

Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Senior Contributor
Wonderin
Posts: 3,494
Registered: ‎05-25-2008

Re: Orchard and processing time?

There IS no "online access code" -- at least, not until you actually get the card. We didn't get a single email until AFTER we registered our ACTIVATED cards at the web site (so we could pay the bill).

 

Go here, and pop in your SSN & ZIP. Though to be honest, all you'll see is the "Your application is under review" blurb.

 

Just be patient. You've got the card. :smileyhappy: 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*

Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!


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