I emails orchards bank on the advice from my other orchards bank post, my orchards card has the 28.99 interest rate and 80 annually. Well the lady that called me to tell me she us working on my requests, which were remove the annual fee and lower the apr. She removed the annual fee permantly and will have an answer on the apr by Tuesday, The great thing even if she can't lower it, I can sd it and it will help my utilization.Ill update this post once I find out about the apr.
