09-21-2011 04:04 PM
With the cards you have, I would close Orchard, just to save money and/or from the inconvenience of calling every year trying to get the AF waive
09-22-2011 02:10 PM
Something to consider; Orchard bank was just purchased by Capital One - so there's a chance in the next 12 months or so you might get the opportunity to convert to a higher limit / no AF card. That's the only reason mine is still open. I figure if I can keep getting CLI's and waiving the AF until I see what happens, I might as well.