New Contributor
BullsEye10
Posts: 79
Registered: ‎03-26-2012
Orchard Bank to Capital One ...

‎05-03-2012 07:11 PM

I just got notice that my Orchard Bank card is now a Capital One card.  

 

Considering I already have a Capital One card, should I ask them to simply combine the credit limits and close the Orchard Bank?

 

Thanks! 

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Chase Sapphire Preferred ($22,500.00)
Bank of America Cash Rewards ($5,000.00) - Sock Drawer
Discover ($4,500.00) - Sock Drawer
Capital One ($7,500) - Sock Drawer
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Valued Contributor
Ron1
Posts: 2,870
Registered: ‎05-23-2009
Re: Orchard Bank to Capital One ...

‎05-03-2012 07:13 PM

According to FAQ, you cannot combine CL between Cap1 and Orchard Bank right now.

 

 

Ron.

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Frequent Contributor
Brian_Trying_700
Posts: 446
Registered: ‎09-14-2011
Re: Orchard Bank to Capital One ...

‎05-03-2012 07:28 PM

BullsEye10 wrote:

I just got notice that my Orchard Bank card is now a Capital One card.  

 

Considering I already have a Capital One card, should I ask them to simply combine the credit limits and close the Orchard Bank?

 

Thanks! 

I have Cap One and Orchard also. You cant do it.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
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Senior Contributor
Wolf3
Posts: 3,188
Registered: ‎01-24-2010
Re: Orchard Bank to Capital One ...

‎05-03-2012 08:31 PM

You should wait and see what they offer.  

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Established Contributor
corymcd88
Posts: 515
Registered: ‎12-12-2011
Re: Orchard Bank to Capital One ...

‎05-03-2012 09:39 PM

Wolf3 wrote:

You should wait and see what they offer.  

I agree, im waiting to see what i will get out of it.
Walmart / GECRB - 2,700/2,800, JCP / GECRB - 3,350, Dillard's / GECRB - 3,000, Amazon / GECRB - 2,300, Chevron / GECRB - 1,900, Belk / GECRB - 1,000, QVC / GECRB - 700,Aeromexico Visa / US Bank - 300, Capital One - 375/750, Bank Of America 123 Cash Back - 300, Wells Fargo - 300, AMEX ZYNC - NPSL ($2,500), USAA AMEX - 250.
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Regular Contributor
gypsysoul
Posts: 157
Registered: ‎09-02-2011
Re: Orchard Bank to Capital One ...

‎05-04-2012 07:08 AM

 i wonder if they are doing this to all orchard bank cards

3/07/12 EQ 600 10/02/12 EQ 688
08/13/12 TU(walmart) 653
09/12/12 EX(plus) 655
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Valued Member
aggieguy
Posts: 49
Registered: ‎06-27-2009
Re: Orchard Bank to Capital One ...

‎05-04-2012 07:15 AM

gypsysoul wrote:

 i wonder if they are doing this to all orchard bank cards

Yes, all Orchard Bank cards are now owned by Capital One.

Starting Score: TU:631 EQ:612 03/27/2012
Current Score: TU:668 EQ:634 04/26/2012
Goal Score: 725

Take the FICO Fitness Challenge

Wallet Garden: Discover More -- $1500..........Amex Zync -- NPSL..........CapitalOne Cash Rewards -- $1000

Sock Drawer Garden: Barclays Apple -- $1300..........Kohls -- $300..........BBRZMC -- $600..........Kay -- $1400

Chopping Block: CapitalOne Platinum (x2) -- $500..........Orchard -- $300..........Merrick -- $1000..........First Premier -- $700..........First National -- $300..........CreditOne -- $600
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Contributor
tbolt2
Posts: 82
Registered: ‎03-11-2011
Re: Orchard Bank to Capital One ...

‎05-06-2012 08:35 AM

Old Inquiry from 2010/2011 on my CR from HSBC is now reporting as

Capital One/HSBC

 

The account item on the CR has not been changed yet. Still reporting as

HSBC Bank

 

I have not received anything from them yet regarding any changes

Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+

Take the FICO Fitness Challenge

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New Contributor
laracing
Posts: 71
Registered: ‎02-15-2012
Re: Orchard Bank to Capital One ...

‎05-06-2012 09:53 AM

I have not received anything in the mail yet - I have 2 orchard bank cards in addition to 2 Capital One cards

Starting Score: 580 - November 2011

Current Score: 655 Equifax, 706 Experian

Capital One Plantium $2.5K / Orchard Bank $800 / Orchard Bank $500 / Capital One Green Card $1K new account 3/2012 / Macy's 3/2012 App $300/ Amex Zync No Psl / Kohls $600 3/2012/ Discover Card $1.5K/Chase Freedom 4/2012 App, 3K, Chase Southwest Airlines $7K, 05/2012 App.

Time to garden
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New Contributor
SlabOfBacon
Posts: 54
Registered: ‎04-17-2009
Re: Orchard Bank to Capital One ...

‎05-07-2012 03:33 PM

I'm in the same boat..

 

Orchard: $500

Orchard Platinum: $1600 (They've been giving me CLIs every so often, and the interest rate is 13.95% on my last statement)

 

CapitalOne: $750 ($500 then $750, been that way for over a year)

Capital One rewards: $1250 ($750 original, then $1250, no CLIs otherwise)

 

I was going to close the two lower limit cards, but I really do wonder what Capital One is going to do. If you remember from another thread I posted, I tried to call Orchard to close the $500 limit card but could never get through to anybody. I'm just letting the lower limit cards sit around with $0 balances right now.

Creditkeeper 6/12
TU: 678
EQ: 665
EX: 673
Walmart FICO: 680 (6/12)
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