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I have a secured Orchard Bank card from HSBC with a $300 limit. It was opened in 7/2009 so just turned a year old. I got a preapproval for Discover More and decided to app for it, and was approved with a credit limit of $2k.
My question is: what should I do with my Orchard card? I never use it... should I just leave it open?
Thanks in advance!
My Orchard Bank card had an AF, so I closed it as soon as I had rebuilt enough to get a card without an AF.
If yours has an AF, I would close it before you pay the fee again. Just my opinion.
Congrats on your Discover More!
Thanks for the response! I just checked online and sure enough, got hit with an annual fee. I just closed that card.
I'm excited to get the Discover More! It's my first non-rebuilder card in years!!
i agree with beammeup. i'm going to close mine shortly, the annual fee is coming due in november.
@laz98 wrote:i agree with beammeup. i'm going to close mine shortly, the annual fee is coming due in november.
Just FYI - I caught mine after the annual fee was applied, but before the due date. I had no balance and the fee was removed when the account was closed. I did that over the phone. If you have a balance you can still have the fee waived if you pay it off within thirty days, I think... just FYI if they try to stick you with a fee.
thanks for that info. i never even activated the card they last sent me; if they want to be stingy with their CLI, i will be cheap with my spending