Orchard bank CLI

[scottie_mommy]

I have an Orchard bank CC with a limit of $300.

I have used 50% or less each cycle, and always pay in full.

have had the card approx. 6 months.  We decided to link it to our checking account as OD protection.

How long does Orchard Bank usually like someone to have their card before a CLI is granted?

Anyone have CLI experience with them?

[creditreformer]

Have had 2 orchards (now 1- consolidated them a few mos. ago) since early 07.  both had 300 CLs, both got 0 CLIs.  Now it’s 1 orchard w/a 600 CL.  Have pif, left a balance, used A LOT (ran 3-5x the cli/mo. through it), have sockdrawered, etc.  have called every # for orchard under the sun, threatened to cancel, etc.  nada, zip, zilch, zero CLIs.

Last time I called, they ranted about my past credit mistakes (last baddie= 2003) and went on about how it’s a rebuilder cc.

It remains open until early 09 (2 yr mark) simply b/c I already paid the atrocious AF through then and may as well take the next few mos. of age.

[Anonymous]

You can ask for a CLI right now but we are are talking about HSBC here so u wont get much if anything lol. I was told u can ask for a CLI every 6 months

[fishbjc]

Unless you have tons of unpaid collections, you should try the BofA 99/500 or Hooters or Cap One.

Your scores should qualify you for one of these cards.

[niecey89]

I also have a OB card, I received the card 11/2007 with a $300 limit. PIF account twice. In August had a balance of about $200 and they auotmatically raised me to $500. So in my case it has only been 9 months. It may vary based on payment history.

[creditreformer]

My payment history w/orchard is flawless.  I’ve hard they don’t like if you PIF, so maybe that’s what dinged me.  Who knows.  I have BA 99/500 and love them.  Also, got a cap 1 300 CL as of 4/08…6/08 called and got 300 CLI….8/08, bam, 500 CLI.  300 cap 1 can go to 1.1k in 4 mos. yet orchard 300 cc from 1/07 remains @ 300? LOL yah that makes sense.

[Anonymous]

I received CLI from $300 to $500 after receiving card around 6/22/08, in August I called backdoor # and said I wanted to make them my main card but limit was so small and bragged about how much I liked their card(yeah right) and sure enough the CSR gave me a CLI without any hard inquiry or CLI fees. Maybe you just have to get the right CSR on the line.

Here is my OB pay history

1st statement- July 5th- balance was $215/ paid $50

2nd Statement -August 5th- used card for purchases paid $235 on 7/28/08 before statement cut (balance on 2nd statement shows as $65)

8/16/08 Called for CLI and went from $300 to $500

[laz98]

i have two orchard cards. the one i have had the longest is going on two years in november. i have gotten 2 auto-CLIs on that card, $200 each. so now my CL is $700. the other is too new, only 3 months old.

[My2cents]

I did not get a CLI on my anniversary date so I called and told them that at this point that they were getting more out of the relationship than me and I was considering closing--AF-49.00.  So they gave me a 500.00 dollar increase which shot me to the moon 1K

A week earlier I got a 5k card from another bank, so I knew that my scores were OK and well deserving of a nice CLI.

[jbh]

Wow, kudos to anybody who can do it. I'm in my 5th unique month and I was told to wait til 6 full months are up.