Regular Contributor
Posts: 181
Registered: ‎04-21-2010
Re: Orchard Bank/HSBC

Maverick79 wrote:

I've never had any issues with Orchard, Have two cards with from 2005 and one from 2007, both with $1000 limit and they both started at $300 but one is a 2% cash back. I think they are very good re-builder cards, I got regular CLI every six months or so until this year. They were only $200 at a time but it helped rebuild my credit and since I've been able to get Cap1 VentureOne and just the other day Discover with $4000 and $2000 CL. Their customer service is OK if you get get someone here in the states which depends on what time you call.

I agree -- The Orchard credit cards a good at rebuilding credit, however they will not grow with you as your score get better. The only reason I am hanging on to my old Orchard cards (both opened in 2007) is because neither one has an AF.

Current Scores (as of 04/22/13): EQ FICO=795; TU FICO =766; EX =763

BankAmericard Cash Rewards ($20,000) | Amex Platinum (NPSL) | Amex Clear ($20,000) | Amex Blue Cash ($2,500) | Chase Freedom ($11,000) | PenFed Platinum Cash Rewards ($5,000) | Barclaycard Apple ($5,000) | Discover More ($6,500) | BankAmericard Cash Rewards [Authorized User] ($15,000)