Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,424
Registered: ‎08-28-2010
0

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!


neverrain wrote:

What number are you guys calling for this?  Mine is currently $320 with $79 AF.  I've been approved for better cards already.  I called the back door number "HSBC: 866-551-0258 (Credit Analyst)" and they told me to call the number on my card.  Anymore details?  PM me if needed.


welcome to the forums and nice AV

Established Member
Posts: 30
Registered: ‎06-11-2010
0

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

This is the number I called   HSBC: 866-551-0258 (Credit Analyst) and they took care of everything.. I tried the number on the back of my card first and it was no longer a valid number.

Established Member
Posts: 21
Registered: ‎05-12-2011
0

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

I thought I'd share my success this morning with you all Smiley Happy I called the 866-551-0258 phone number this morning and spoke with a real nice young lady. I've had my Orchard card since March 2011 with 300 CL. Never late. occasionally carried a balance, the PIF. Spoke to the credit analyst, and she granted me an increase of $150!. It may not be much, but its something! Smiley Happy


Starting Score: 529 as of 3/2011
Current Score: 660 EX, 627 EQ, 643 TU( all a/o 12/17/13)
Goal Score: 700 in 2014


Established Member
Posts: 30
Registered: ‎06-11-2010
0

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

Congrats on the CL increase,Orchard seems extremely tight with their CL increases and extremely unpredictable but at least their bending a little..

Frequent Contributor
Posts: 427
Registered: ‎11-25-2011
0

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

the orchard cards are starter cards.  regardless of their CL ceilings, they wont trust most of us with over $1,000.  you wont see too many people with cl higher than $1,000 regardless of your credit file.  not only that they add annual fees.

 

i hate to say it but if you want higher cl cards with no AF you gotta get rid of orchard.  they think of their clients as subprime and thats the mentality they have.

 

the reason i still have orchard is for AAoA reasons.  yes it wont affect me for the next 10 years but i also need opened accounts right now.

i wont even bother asking for CL soon as i get my amex and get it backdated orchard can be kicked to the curb.

 

right now IMO orchard is serving its purpose and will be eliminated when deemed worthless


TU08 762
NFCU Visa Signature $20,000, Citi Prestige $15,500, USAA Mastercard $11,000, American Express Platinum, Barclays American Express $4700, Best Buy Mastercard $400, Orchard/Capital One $700
Regular Contributor
Posts: 164
Registered: ‎02-19-2011
0

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

i have orchard i have 2 10000 lines and no af on any of them had the card s almost 4 years now and 2 percent cash back

Established Contributor
Posts: 1,002
Registered: ‎12-06-2011
0

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!


lakerfan2011 wrote:

i have orchard i have 2 10000 lines and no af on any of them had the card s almost 4 years now and 2 percent cash back


that's real nice! how often do you use it? and are these MC or VISA?


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Established Member
Posts: 30
Registered: ‎06-11-2010
0

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

[ Edited ]

Lakerfan did you mean 2  $1000 dollar lines or $10,000?   By the way how do I quote a previous post in my reply so people know who I'm responding to? Thanks

Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
0

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!


Anthony30 wrote:

Lakerfan did you mean 2  $1000 dollar lines or $10,000?   By the way how do I quote a previous post in my reply so people know who I'm responding to? Thanks



After you hit "Reply" you'll see the "Quote" button at the top. Click on it to view the previous post. Then type your comments underneath.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Established Member
Posts: 30
Registered: ‎06-11-2010
0

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!


MarineVietVet wrote:

Anthony30 wrote:

Lakerfan did you mean 2  $1000 dollar lines or $10,000?   By the way how do I quote a previous post in my reply so people know who I'm responding to? Thanks



After you hit "Reply" you'll see the "Quote" button at the top. Click on it to view the previous post. Then type your comments underneath.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


Awesome thank you very much

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.