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Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
0

The things we do for love...

After being given the run around and then a denial for a cli on my two year old perfectly maintained account I got this email today...

 

Thank you for contacting our customer care center and taking the time to request a credit limit increase on your Orchard Bank Credit Card Account. We are pleased to inform you that your request for a credit limit increase on your Account has been approved. Effective immediately, we have increased your credit limit to $450.00.

 

This is only after I sent a letter about how disappointed I was with my treatment. For my efforts I get an extra $150. I will take it! Thanks for the love Orchard Bank!

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!

Valued Contributor
madmann26
Posts: 1,459
Registered: ‎08-30-2012
0

Re: The things we do for love...

Congrats!!

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
0

Re: The things we do for love...


NY_Beauty wrote:

After being given the run around and then a denial for a cli on my two year old perfectly maintained account I got this email today...

 

Thank you for contacting our customer care center and taking the time to request a credit limit increase on your Orchard Bank Credit Card Account. We are pleased to inform you that your request for a credit limit increase on your Account has been approved. Effective immediately, we have increased your credit limit to $450.00.

 

This is only after I sent a letter about how disappointed I was with my treatment. For my efforts I get an extra $150. I will take it! Thanks for the love Orchard Bank!


Don't love them too much :smileywink:

 

Soon you move on.. consider Orchard a 'practice boy/girl' haha

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
0

Re: The things we do for love...

...and they could have said "no" to the increase.  I know when to appreciate the good things...  I am appreciating this.

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: The things we do for love...

Absolutely.  Think of it as the fertilizer to help your garden grow.  Any CLI is a good CLI!


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!
Valued Contributor
annielorie
Posts: 1,206
Registered: ‎02-19-2012
0

Re: The things we do for love...

One increase and derog at a time. Great News! Its still 150 more than the day b4


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

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Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
0

Re: The things we do for love...


annielorie wrote:

One increase and derog at a time. Great News! Its still 150 more than the day b4


That's right! :smileyhappy:

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!

Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
0

Re: The things we do for love...

Congrats on the CLI. Any boost to available credit is a good one.



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


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Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
0

Re: The things we do for love...


NY_Beauty wrote:

...and they could have said "no" to the increase.  I know when to appreciate the good things...  I am appreciating this.


Right. I wasn't saying don't be excited for getting the CLI - I was making a joke that apparently hit with a thud. :smileyhappy:

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: The things we do for love...

I got it Scott, hence the fertilizer reference.  :smileyhappy:


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+

Take the myFICO Fitness Challenge

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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