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Member
Posts: 42
Registered: ‎02-22-2012
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Orchard Bank--credit line increase???

Well, I have my new orchard bank cc, with a 300.00 crediit limit...has anyone had automatic CL increases with this card?????

Starting Score:

548-Experian

542-Transunion

516-Equifax

Goal: 650 by the end of 2012
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New Contributor
Posts: 100
Registered: ‎05-18-2011
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Re: Orchard Bank--credit line increase???

I opened the card in 2007 at 300, got a CLI in 2009 to 400, and asked recently if I could get a CLI, and they said no.

 

I'll be closing the card before the AF kicks in.

SCORES (2/2013): EX 795 TU 717 EXP 726
Goal: 800+ and Gardening

Wallet: NavyFed 15k AMEX BCE 2k Discover 3k BOA 5k
CapitalOne 2250 HSBC RZM 950 Best Buy SC 2900
GEMB/Paypal 3700 Merrick Bank 1k Zales 2k Barclays 1300 GEMB/AJMadison 3600 Walmart 800 VS 500 NY&CO 400
Regular Contributor
Posts: 181
Registered: ‎12-31-2011
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Re: Orchard Bank--credit line increase???

Same deal for me. Started at 300 begged them to 400 after 7 months and they just said no to a request for more.  I am still grateful they gave me another chance (defaulted on the first one) without the card being secured.

New Visitor
Posts: 2
Registered: ‎03-28-2012
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Re: Orchard Bank--credit line increase???

I have had my Orchard bank for 3 years , always paid on time and never went over the limit fee, I have NEVER recieved a CLI, I am about to cancel this card , just paid it off .

I have recieved Capital One cards two of them,  J C Penny and Sears Mastercard and Wallmart......none of these have any fees and the limits are higher...................I will be cancelling it , the yearly fee is 79.00 bucks !!!!!

New Visitor
Posts: 2
Registered: ‎03-28-2012
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Re: Orchard Bank--credit line increase???

I have had my Orchard bank for 3 years , always paid on time and never went over the limit fee, I have NEVER recieved a CLI, I am about to cancel this card , just paid it off .

I have recieved Capital One cards two of them,  J C Penny and Sears Mastercard and Wallmart......none of these have any fees and the limits are higher...................I will be cancelling it , the yearly fee is 79.00 bucks !!!!!

Established Member
Posts: 18
Registered: ‎05-12-2011
0

Re: Orchard Bank--credit line increase???

I have an Orchard card, I called the backdoor number a few weeks back, and they granted me a CLI...it was less than 5 minutes...granted, it was only 150.00 increase, but its better than nothing! call the back door numbers (try searching "backdoor numbers" in the forum). Never hurts to ask Smiley Happy


Starting Score: 529 as of 3/2011
Current Score: 660 EX, 627 EQ, 643 TU( all a/o 12/17/13)
Goal Score: 700 in 2014


Frequent Contributor
Posts: 433
Registered: ‎05-07-2008
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Re: Orchard Bank--credit line increase???

Got a $20, yep $20 WHOLE  DOLLAR increase... Forgot to cancel before the AF in Feb, so I will keep it for the history until next January when I will CLOSE this stupid card...  Warning do not be late, they are TERRIBLE with GW...

Starting Score: 06/2010- EQ 464
01/2012-EQ 512
April Score: EQ 679 4/12TU- 677 EX- 699 (FAKO)
Current Score: 05/2012-EQ 691 4/12TU- 706 EX- 720(FAKO)
Goal Score: 700 by 05/2012- MADE IT!!!!


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Valued Member
Posts: 40
Registered: ‎06-11-2011
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Re: Orchard Bank--credit line increase???

I backdoored a couple of days ago, got a 100 CLI, got the card in august 2011.
I read here that if you call every 6 mths, you have a decent chance at a CLI as long as you are in good standing with them


Starting Score 12-2011: EX 640 FAKO TU 550 FAKO 6-2011
Current Score 3-2012: EX 635 TU 603 myFICO 3-2012 EQ 670 MyFICO
Goal Score: 720


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In the Garden, trying to avoid the Christmas temptation. Last app 9/2012
New Visitor
Posts: 1
Registered: ‎10-04-2012
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Re: Orchard Bank--credit line increase???

I have been a orchard cc customer for almost 2 years. When and will I get an increase.

Moderator
Posts: 13,897
Registered: ‎04-15-2011
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Re: Orchard Bank--credit line increase???

Orchard sold out to Cap1.  Unfortunately they're not known for CLIs either.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
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