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SURVEY SAYS!

Established Contributor

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

 

 



building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 1 of 10
9 REPLIES
New Contributor

Re: SURVEY SAYS!

Orchard was my first credit card (secured) when I was rebuilding..... Congrats!
Message 2 of 10
Frequent Contributor

Re: SURVEY SAYS!

Whoo Hoo!!! CongratsSmiley Happy

Message 3 of 10
Moderator Emeritus

Re: SURVEY SAYS!

Was the Csr really named Peggy?

Congrats on your new card Smiley Happy

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 4 of 10
Frequent Contributor

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


Take the FICO Fitness Challenge

Message 5 of 10
Established Contributor

Re: SURVEY SAYS!

No I just thought we could not really put down the CSR's real info.
building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 6 of 10
Moderator Emeritus

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
Message 7 of 10
Mega Contributor

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

 

 




Smiley Very Happy

 

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

 

"3 WEEKS"!!!!!

 

CONGRATS on your approval!!!!




EQ FICO 548 3/3/16
Message 8 of 10
Valued Contributor

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.

Message 9 of 10
Established Contributor

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!

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 10 of 10