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Regular Contributor
dobirdsmommy
Posts: 219
Registered: ‎02-29-2012

SURVEY SAYS!

So I decided to email the 12 hour response line for the Orchard Bank Card.

I still have been checking the web and still says unable to finalize. The charge on my Chase was a hard post this am,

 

BUT AT 10:40pm I get this email

Dear Dobirdsmommy,

Congratulations! 

You have been approved for an Orchard Bank credit card, issued by HSBC Bank,
Nevada, N.A., with a credit line of $300.  Your new Orchard Bank credit card
will be mailed once your processing fee payment by personal check clears your
bank and through ours, which takes 10 to 14 business days.

You should be receiving your new Orchard Bank MasterCard the week of
05/14/2012.

If you have any questions, please call our Customer Service Department at
1-503-245-9280.  Representatives are available to assist you between 5:00 a.m.
and 7:00 p.m., Pacific Time, Monday through Friday.

The federal Equal Credit Opportunity Act prohibits creditors from
discriminating against credit applicants on the basis of race, color,
religion, national origin, sex, marital status, age (provided that the
applicant has the capacity to enter into a binding contract): because all or
part of an applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer
Credit Protection Act. the federal agency that administers compliance with
this law concerning this creditor is the Office of the Comptroller of the
Currency, Customer Assistance Unit, 1301 McKinney Avenue, Suite 3710, Houston,
TX 77010. 

You are important to us and we appreciate your business.

Sincerely,

*Peggy*

Orchard Bank Customer Care

 

 

I called this am to see what the change was..

 

I am named after my grandmother( First Middle and last Maiden Name).. Our social was only 2 digits different. Apparently once upon a time my grandmother had a HSBC account, thankfully it was in good standing. (who the heck knew they could go back 30+years) To top it off my birth year was her death year.. SO they threw up the red Flag.. My CR shows my maiden and my married name.  This apparently made their comp system toss in the big red towel. Either or way it is solved and I am happy to report that this was clarified

 

 



Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one 2000 FH, Santander Car 10k/15k, Chase Auto Loan 13/16k, VS 750, BH 760, Express 750, Avenue 750, JCrew 500, HSN 670, Roamans 500, Jessica London 500, kings direct 500, Buckle 500, OSP 750, WW 750, Solutions 500, Blair 500.. baddies: 1 Cap 1 CO 08, 2 FP CO 08, 2 HSBC CO 08, EXP 2 state tax liens 1 fed, EQ 1 fed tax lien, TU 1 state 1 fed tax lien.
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k
New Contributor
happy101
Posts: 54
Registered: ‎01-20-2010

Re: SURVEY SAYS!

Orchard was my first credit card (secured) when I was rebuilding..... Congrats!
Regular Contributor
Sassy_Taurus
Posts: 105
Registered: ‎03-24-2012

Re: SURVEY SAYS!

Whoo Hoo!!! Congrats:smileyhappy:

Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: SURVEY SAYS!

Was the Csr really named Peggy?

Congrats on your new card :smileyhappy:

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Frequent Contributor
BigDaddy18
Posts: 673
Registered: ‎04-23-2009

Re: SURVEY SAYS!

Congrats your on your way my friend!


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


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Regular Contributor
dobirdsmommy
Posts: 219
Registered: ‎02-29-2012

Re: SURVEY SAYS!

No I just thought we could not really put down the CSR's real info.
Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one 2000 FH, Santander Car 10k/15k, Chase Auto Loan 13/16k, VS 750, BH 760, Express 750, Avenue 750, JCrew 500, HSN 670, Roamans 500, Jessica London 500, kings direct 500, Buckle 500, OSP 750, WW 750, Solutions 500, Blair 500.. baddies: 1 Cap 1 CO 08, 2 FP CO 08, 2 HSBC CO 08, EXP 2 state tax liens 1 fed, EQ 1 fed tax lien, TU 1 state 1 fed tax lien.
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: SURVEY SAYS!

Congratulations! I used Orchard as part of my rebuild and it was very helpful. Best wishes to you, and enjoy your new card.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: SURVEY SAYS!


dobirdsmommy wrote:

So I decided to email the 12 hour response line for the Orchard Bank Card.

I still have been checking the web and still says unable to finalize. The charge on my Chase was a hard post this am,

 

BUT AT 10:40pm I get this email

Dear Dobirdsmommy,

Congratulations! 

You have been approved for an Orchard Bank credit card, issued by HSBC Bank,
Nevada, N.A., with a credit line of $300.  Your new Orchard Bank credit card
will be mailed once your processing fee payment by personal check clears your
bank and through ours, which takes 10 to 14 business days.

You should be receiving your new Orchard Bank MasterCard the week of
05/14/2012.

If you have any questions, please call our Customer Service Department at
1-503-245-9280.  Representatives are available to assist you between 5:00 a.m.
and 7:00 p.m., Pacific Time, Monday through Friday.

The federal Equal Credit Opportunity Act prohibits creditors from
discriminating against credit applicants on the basis of race, color,
religion, national origin, sex, marital status, age (provided that the
applicant has the capacity to enter into a binding contract): because all or
part of an applicant's income derives from any public assistance program; or
because the applicant has in good faith exercised any right under the Consumer
Credit Protection Act. the federal agency that administers compliance with
this law concerning this creditor is the Office of the Comptroller of the
Currency, Customer Assistance Unit, 1301 McKinney Avenue, Suite 3710, Houston,
TX 77010. 

You are important to us and we appreciate your business.

Sincerely,

*Peggy*

Orchard Bank Customer Care

 

 

I called this am to see what the change was..

 

I am named after my grandmother( First Middle and last Maiden Name).. Our social was only 2 digits different. Apparently once upon a time my grandmother had a HSBC account, thankfully it was in good standing. (who the heck knew they could go back 30+years) To top it off my birth year was her death year.. SO they threw up the red Flag.. My CR shows my maiden and my married name.  This apparently made their comp system toss in the big red towel. Either or way it is solved and I am happy to report that this was clarified

 

 




:smileyvery-happy:

 

"You've been a naughty girl and no pay bill"

 

"3 WEEKS"!!!!!

 

CONGRATS on your approval!!!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011

Re: SURVEY SAYS!

Orchard serves a purpose just like CapOne rebuilders.  Use it respondsibly and you will be back to prime cards and you can drop them like a bad habit.

Regular Contributor
dobirdsmommy
Posts: 219
Registered: ‎02-29-2012

Re: SURVEY SAYS!

I hope so... Funny I have been banking with Chase for years and my biggest complaint about them is they have my money and they wont trust me with 5 cents.. I went into the bank to get a secured loan and the banker said oh it wont help your credit anyway so we wont bother.. I WAS STUNNED!

Wallet:ME: 750 Cap One, 5k Quicksilver/rewards, 750 Capital one 2000 FH, Santander Car 10k/15k, Chase Auto Loan 13/16k, VS 750, BH 760, Express 750, Avenue 750, JCrew 500, HSN 670, Roamans 500, Jessica London 500, kings direct 500, Buckle 500, OSP 750, WW 750, Solutions 500, Blair 500.. baddies: 1 Cap 1 CO 08, 2 FP CO 08, 2 HSBC CO 08, EXP 2 state tax liens 1 fed, EQ 1 fed tax lien, TU 1 state 1 fed tax lien.
DH: 750 Cap One 750 Cap One 750 capital one fh 2000, AU - VS, BH, HSN, QS 5k

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