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jimbo831 wrote:

Just wanted to add that if you haven't already, you may want to try calling them and asking them to reconsider.  It couldn't hurt to try.

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+1

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Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013

I'll try.  Most of the TLs I opened were to grow my credit and develop new relationships and move out of subprime ( i close FP, a CapOne Secured and Orchard this year too)  So I opened but closed, and the other cards were Discover, CapOneRewards, Barclays, and JCrew.  Haven't missed a payment in over 3 years.  Has been a long road, trust me. 

Sorry to hear that; though, I believe the Plan B is high interest and lower CL, if I recall correctly.

Maybe HSBC is cleaning house before they transfer accts to Cap One.

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Ortz33__ wrote:

I'll try.  Most of the TLs I opened were to grow my credit and develop new relationships and move out of subprime ( i close FP, a CapOne Secured and Orchard this year too)  So I opened but closed, and the other cards were Discover, CapOneRewards, Barclays, and JCrew.  Haven't missed a payment in over 3 years.  Has been a long road, trust me. 

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Definitely explain this when you call them.  You have new accounts because you closed older accounts that did not have good terms.  Hopefully someone will understand this.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

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Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012

Take the FICO Fitness Challenge

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Ortz33__ wrote:

I'll try.  Most of the TLs I opened were to grow my credit and develop new relationships and move out of subprime ( i close FP, a CapOne Secured and Orchard this year too)  So I opened but closed, and the other cards were Discover, CapOneRewards, Barclays, and JCrew.  Haven't missed a payment in over 3 years.  Has been a long road, trust me. 

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We totally can relate! Rebuilding credit is a lot of hard work and a long road.  I hope it works out and you get them to reopen your account! Please keep us posted!

Should I even go there with paying them over 140 dollars in 2 years just to have a credit card with Orchard?

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Ortz33__ wrote:

Should I even go there with paying them over 140 dollars in 2 years just to have a credit card with Orchard?

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I wouldn't say it like that.  Just say that you closed some of your cards to open ones that offerred more favorable terms for you, or better rewards, or both.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

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Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012

Take the FICO Fitness Challenge