It took Orchard 4 months to get me my secured card - I had just moved to the US so absolutley no history here whatsoever. Yes they take forever, yes their customer service is terrible, but at the end of the day, this is a rebuilder card and despite the issues it does work well for that purpose. I used mine for 2 months, then got a cap one unsecured with a $300 limit and from then on, by maintaining low util have managed to get better and better offers. My Orchard Bank card is now 2 years old and sock drawered. It's my oldest account, so I eat the AF for now, prob for a couple more years - it's a small price to pay for owning your own home, getting approved for a lease etc etc. Stay the course and you'll be better off in the long run.
