Credit Cards

[RichRaven]

My Orchard bank card was upgraded to unsecured. They actually graduated my secured card after almost 2 years. I heard this wasn't done so it totally shocked me. They kept the limit the same but wow. I was going to kick them to the curb after we closed on our house but now I'm having second thoughts. I will even ask for a credit limit increase on my drive to work today. Has anyone else been upgraded lately?

[DI]

Congrats!  Never say never. Things happens.  Keep the charges low, and balance paid in full each month.

[wildcat]

Wow you should go buy a lottery ticket - luck is on your side today! LOL!

[llecs]

Congrats! I remember reading only one or two other success stories in here in my 2 yrs of trolling in CCs. I called them just last month (or July?) to cancel mine and specifically asked first if it can be unsecured and received an adamant "NO!".

[manyquestions]

---

RichRaven wrote:
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.

[happy0510]

Hi Rich,

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!!

Happy

[creditwherecreditisdue]

Very nice job, OP! Patience rewarded!

[RichRaven]

Update...I called and recieved a whopping $100 increase. I think I'll keep the card anyway  because it's one of my older cards but I'd love another increase, any suggestions?

[beamMEup]

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!