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

Ty Cap / Orchard

Paid my balance down to 100.00 and they are holding my payment for verification. First time ever In a year! 14 days they tell me.   It is like they know I am getting my utilization down for the last step of my pre- approval.  I paid 10 days before my statement cuts.   So  upset their response. Lets waive your annual fee not even due yet!   

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
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Ty Cap / Orchard

I have never had my payment held that long for neither Orchard Bank or Cap One. Cap One only held it for a couple of days when my account was new. I would call them to get my payment released sooner and they did. Now they clear next day.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Ty Cap / Orchard


dobirdsmommy wrote:

Paid my balance down to 100.00 and they are holding my payment for verification. First time ever In a year! 14 days they tell me.   It is like they know I am getting my utilization down for the last step of my pre- approval.  I paid 10 days before my statement cuts.   So  upset their response. Lets waive your annual fee not even due yet!   


I HATED that with them when I had my account early with them. Did it a few times too.

 




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

Re: Ty Cap / Orchard

I called the EO. They said they would release it the same day they cut my statement. Funny enough I paid 400 to my capital One same day, 200 to my husbands capital one and 200, to my husbands Orchard but they held my orchard for 160.02. 

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Ty Cap / Orchard


dobirdsmommy wrote:

I called the EO. They said they would release it the same day they cut my statement. Funny enough I paid 400 to my capital One same day, 200 to my husbands capital one and 200, to my husbands Orchard but they held my orchard for 160.02. 


How long have you had these Cap1 / Orchard accounts??

 




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

Re: Ty Cap / Orchard

working on my 2nd year with each one.  EO just gave us credits for each card.    And my orchard they just credited my AF for my 2nd and first year.   Plus I got my application fee back.  All of 19.00.  I thanked her but I said can I just have m money credited? 

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Ty Cap / Orchard


dobirdsmommy wrote:

working on my 2nd year with each one.  EO just gave us credits for each card.    And my orchard they just credited my AF for my 2nd and first year.   Plus I got my application fee back.  All of 19.00.  I thanked her but I said can I just have m money credited? 


You gotta retire those and get some prime cards!!! You have the history for it!

 




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

Re: Ty Cap / Orchard

[ Edited ]

LS Costco almost got me too with the Amex yesterday!  Utilization and inquiries were too high 1 month ago after car shopping and trying to get that down for my pre- approval since it is going in my name only.....   I have come a long way on these boards.  I would first log in and go to the rebuilding.  Now I come to the CC and mortgage forums.   LS you were one of the biggest inspirations!   Edited for my lovely ipad

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Ty Cap / Orchard


dobirdsmommy wrote:

LS Costco almost got me too with the Amex yesterday!  Utilization and inquiries were too high 1 month ago after car shopping and trying to get that down for my pre- approval since it is going in my name only.....   I have come a long way on these boards.  I would first log in and go to the rebuilding.  Now I come to the CC and mortgage forums.   LS you were one of the biggest inspirations!   Edited for my lovely ipad


Thanks!!!

 

Yea I think if my Util. was looking good I would have bit on that but thank god it isnt right now!! I need to really get some age on these accounts!

 




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

Re: Ty Cap / Orchard

Bc of my recent comenity cards my AAOA has plummeted But they were all soft pulls.    I did the BOA pre approval and it brought up a card but mortgage is tops.   2200.00 a month rent is what I should be putting towards my mortgage. 

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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+