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09-18-2009 04:36 AM
09-18-2009 07:48 AM
09-18-2009 08:38 AM
My Orchard bank card was upgraded to unsecured. ... They kept the limit the same but wow. ... I will even ask for a credit limit increase on my drive to work today.
My Orchard secured card was unsecured a little over a year ago. They have given me two auto increases since then, every six months. They doubled the limit the first time and then the second time was only like $150 increase. So yeah, the Orchard secured card hardly ever unsecures, but if it does you should be able to get increases in line with a regular unsecured Orchard card because that's what you have now. Congrats.
09-18-2009 09:01 AM
Congrats!! Strangely enough I was unsecured exactly at my 1 year anniversary and got a $100 CLI. The only thing I could imagine was I used it a lot. I have my netflix automatically deducted from Orchard each month. I assume they appreciate the activity.
I started at $200 secured 8/07. Went unsecured to $300 8/08. Last month 8/09 I requested and received a $100 CLI. I'm gonna call every 3 months from now on. All soft pulls. LOVE IT!!
09-22-2009 11:25 AM
09-22-2009 11:35 AM
Orchard has a funky policy of giving $100 per day on some of their cards. (They do on my Platinum MC).
Call again the next day and ask for a CLI, reminding them that you do not want a hard pull.
Call each day until you no longer receive a CLI, then wait 6 months (some people say 3 months) and start the process again.
There's a few threads on these forums where people report their success. Usually they receive 2 $100 CLI's at a time. Some people receive more than $100 at a time. I have not received a hard pull (or even a soft pull) doing this.
YMMV. Good luck!