topic Re: HSBC/Orchard Bank CLI in Credit Cards

HSBC/Orchard Bank CLI

bridgetkaryn — Thu, 22 May 2008 19:36:55 GMT

HI All,

I have had an Orchard Bank Card for about a year and a half with no CLI. I have called and I got declined for an increase? Anyone know a trick to them? My overall utl is 0% and except for a few months here and there I always pay my bill in full each month... sometimes I don't even use it! I am just not sure WHAT I am doign wrong here!

Thanks!

Bridget

Re: HSBC/Orchard Bank CLI

eddymvp — Thu, 22 May 2008 20:06:45 GMT

I would like to know the trick as well.

Re: HSBC/Orchard Bank CLI

islandchild82 — Thu, 22 May 2008 23:02:24 GMT

Orchard isn't a ccc that will grow with you. You could always try calling again, but I would be careful to see if they are doing any hard pulls if/when you do.

I had two Orchard cards, 1 for about 4 years or so, and only received one cli, which I had to call to receive. Other than that, nothing at all. I closed them both at the beginning of this year. They served their purpose, though, and I have no complaints about the company at all.

Good luck!

Re: HSBC/Orchard Bank CLI

Anonymous — Thu, 22 May 2008 23:29:58 GMT

What number did you call? Try this one 1-800-395-6090

Re: HSBC/Orchard Bank CLI

aftermath — Thu, 22 May 2008 23:38:35 GMT

bridgetkaryn wrote:
HI All,

I have had an Orchard Bank Card for about a year and a half with no CLI. I have called and I got declined for an increase? Anyone know a trick to them? My overall utl is 0% and except for a few months here and there I always pay my bill in full each month... sometimes I don't even use it! I am just not sure WHAT I am doign wrong here!

Thanks!

Bridget

Have you had any lates or overlimits?

Re: HSBC/Orchard Bank CLI

creditreformer — Thu, 22 May 2008 23:44:08 GMT

You will not get a cli (or will have a VERY hard time getting 1) if you have EVER (and I mean EVER- as in 10+ yrs ago- think amex type of forever LOL) had a late, overlimit, chargeoff (incl. hsbc), or otherwise burned them. best you can hope for is sometimes they will (may) give a CLI if you have multiple ccs w/them and ask to combo them/threaten to close.

Re: HSBC/Orchard Bank CLI

Anonymous — Fri, 23 May 2008 04:50:50 GMT

I took and combined my orchard and hsbc. Kept my hsbc they only allow 2 cards after i combined i got a dreamcard through them no AF auto CLI

Re: HSBC/Orchard Bank CLI

Anonymous — Sun, 25 May 2008 05:08:18 GMT

Those were the first CC's I got after BK. And they were both preapprovals in the mail.

Started out with a CL of 300 for each back in '03 and now one is 1200 and the other 1500.

I was getting automatic CL increases at least once a year. Besides the AF's and the high

APR's they have been good cards. UTIL has never been more than 50%. Have always paid on time and online.

Re: HSBC/Orchard Bank CLI

Anonymous — Sun, 25 May 2008 11:07:48 GMT

ohhhhhhh, the dreaded HSBC question!!!! I will say that I applied for a got a small 300 cl with a orchard, I don't know why i applied there but i did, anyway before i even got the card I said hey i don't need this, i just got a 6,000 mastercard from citi, so i call to cancel and she said ok, tell ya what, give ya a free af on your best buy mastercard and raise your limit to 500 on the orchard, i said sure! then i call back 1 month later, and was like i have the card in my hand now "orchard" and I don't need it! Then i call the number and am like can i combine my orchard card with my best buy MC, small 850 limit lol, and she said hang on, very rude person at first, then she came back and said no we can't do that and if we did u won't get the full cl of the combined two, i was like well close BOTH acct's! I don't need ya no how, and she said ok i will get u to a person to help with that and a nice woman came on and said what's wrong and i said I don't need this card if i can't combine them, i got enough cards! and she said if u keep the orchard and the best buy i will lower the apr on the best buy and give ya another 200 cli on the orchard, lol! But now I am faced with closing them both because I don't want them to close them out due to not using them! Why use em when i have better cards i don't even use lol.... good luck!! Just tell em u want to close out the acct, that works sometimes, DON"T try it with GEMB, they will close out the acct for you and say u asked for it! that is what they did to me, but i don't need them either!

Re: HSBC/Orchard Bank CLI

brendogg27 — Mon, 26 May 2008 12:12:03 GMT

Orchard gave me a CLI 5 months after having the card. I called the backdoor number. They gave me $200. I'll have my 1 year anniversary with them in July I think. No inq.

PLUS: I had an HSBC card that I defaulted on prior. They still gave it to me. I did PIF every month though.

Message Edited by brendogg27 on 05-26-2008 05:12 AM

Re: HSBC/Orchard Bank CLI

diva0969 — Sun, 25 May 2008 18:44:31 GMT

I received my Orchard card last week with my name misspelled. I called in and asked them to fix it and they sent me a new card which I got yesterday. Since I hadn't used the card, I decided to call in and tell them I didn't want it because of the paltry $300 credit line. Lo' and behold, they increased it to $500. It's still low, but at least now I can buy a tank of gas without killing my util!

If it weren't for the info I've gleaned from this forum I never would have thought to call!

My scores have increased 82 points across the board in the past three weeks. It's killing me not to check them again before the end of the month!

Thanks guys!!!

Message Edited by diva0969 on 05-25-2008 02:44 PM

Re: HSBC/Orchard Bank CLI

Anonymous — Sun, 25 May 2008 19:21:09 GMT

diva0969 wrote:
Since I hadn't used the card, I decided to call in and tell them I didn't want it because of the paltry $300 credit line. Lo' and behold, they increased it to $500.

My scores have increased 82 points across the board in the past three weeks.

Message Edited by diva0969 on 05-25-2008 02:44 PM

Way to go Diva..... and love the nick!:

Message Edited by Changingmantra on 05-25-2008 12:21 PM

Re: HSBC/Orchard Bank CLI

Anonymous — Mon, 26 May 2008 02:42:08 GMT

Diva congrats to you for the score jump! Do you know what CRA they pulled from and what your score was when they pulled? Oh yea just by having this card did your numbers go up around the board or was it for another reason?

Re: HSBC/Orchard Bank CLI

ferferhess — Tue, 27 May 2008 17:15:43 GMT

I just called the backdoor number and got on of my Orchard cards increased by $500!!! The other one would only give my a $100 increase.:smileysad I am working on trying to combine them into one. Maybe then I'll have a somewhat decent cl!!! That would make it $1200 total.

Re: HSBC/Orchard Bank CLI

creditreformer — Tue, 27 May 2008 17:17:49 GMT

what are you guys saying to get orchard to increase the CLs? have had 2 (300 CLs whoopee) since 3/07 and no auto increases. no lates, no overlimits, etc...perfect history since 3/07 w/them. do you just call and say hi, i want a cli or do you threaten to close?

Re: HSBC/Orchard Bank CLI

diva0969 — Tue, 27 May 2008 17:30:27 GMT

I don't remember what CRA they pulled from originally but my scores were pretty low (546-588). I got the card after they jumped and had received a couple of other cards since intially applying for the card. I threatened to close it and they gave me a 200 CLI. I'll keep my util low and do the same thing again in a few months if I don't see one. By then my B of A will have increased (I hope!) and I won't need them as much.

Re: HSBC/Orchard Bank CLI

Anonymous — Tue, 27 May 2008 20:35:23 GMT

Okay, I tried this as well. I found myself in a foreign call center with a rep who neither spoke (nor understood) very much English.

I tried to ask her why I was denied a CLI (current is $500.00) and she told me "account utilization" and I asked her if that meant that I had too high of a balance and she told me yes.

I then told her, my account balance is NEGATIVE $66.00 so how can I be over utilizing credit when they owe me money?

So she told me, "don't worry, the $66.00 is your money and we know this, we will not take your money".

I told her that I know that it is my money, but I am not calling about that... I was calling to see how I could have possibly over-utilized my credit if I have a $66.00 credit balance... and she told me, "we know it's your money sir, we are not claiming that you owe us a balance".

Obviously she was not getting anything I was saying, and I told her I just wanted to cancel (and then she offered me 2% cash back, and reassured me that the $66.00 was mine and that they knew it.)

Anyway, I was then transferred to a rep who appeared to speak English as their native language, and was informed that I was denied a CLI because of UNDER utilization, and that I had only spent $1000.00 on the card since inception (about 6 months).

I then told this rep that I don't use the card because I can hardly get a tank of gas on it without going over the 20-30% utilization ratio which is not good for my credit, and that if they would give me an increase then I would use it so they could make some money off of me. And she told me that unless I agree to a hard pull that they wouldn't even consider a $100.00 raise.

My last plan was the cancellation threat (but very politely of course) and she said, "if that's what you want". And then the call ended like that... they are sending me a check for the credit balance and they are cancelling the card.

So... long story short, it didn't got quite as well as I planned, and I have 2 much larger cards that are actually usable for buying more than a 12-pack of Dr. Peppers.

Right choice or wrong choice? I guess I'll find out when my CR are re-scored by FICO next month.

Re: HSBC/Orchard Bank CLI

ferferhess — Wed, 28 May 2008 19:51:35 GMT

O.K., all you do is call the BACKDOOR number. (If you don't know what that is, just do a search for "backdoor".) When they answer, you say "Hello, my name is... I have had this account for xxx amount of time. I have had a perfect payment history and I'm not sure why I've never recieved a credit limit increase." They should take it from there. Keep in mind that they will only give you a cli IF you've had a good payment history. Hence, the reason for only $100 an one of my cards. I had one late pay by 3 days on that account. Just be real nice! DO NOT YELL AT THEM!!!! They'll end up saying NO!!!!

Message Edited by ferferhess on 05-28-2008 03:51 PM

Re: HSBC/Orchard Bank CLI

Anonymous — Wed, 28 May 2008 20:06:50 GMT

Hey I just read this thread so I called in Ive had my acct. Since March of 2008 and ive never missed a payment basically I use it then PIF or half of it before statement and i called to day bc i was over limit well i had credit keeper charge me 9.99 plus i got like 25 gas then old navy yadayada well anywhoooooo Im basically maxed so I called the1-800-477-1024 and a Gentlemen answered I said why?am i over limit? Ive paid this acct on time every month always PIF or half of my balance so Ive gotten better offers since then with better CL. also I asked in the begining for an increase and I was denied I dont knw if i want to continue to keep this card! he said mam let me increase you to 500CL i said ok he said its avail. now and thank you for not cancelling!!!!!!! Im happy Thank you for the forum thats why I stay online to find out whats going on! LOL......... Im a happy woman while waiting on my Chase BP Gas card!

Re: HSBC/Orchard Bank CLI

creditreformer — Thu, 29 May 2008 00:25:51 GMT

Well orchard gave me a line about no auto CLI w/o a hard pull…’we constantly review blah blah..BUT if you want one NOW, hard pull’ ugh. gave me a story about 'we want u to love us- make us happy blah blah'...i said CLI would make me happy LOL. no can do soft pull. So I asked them to combine. Oh well, 600 CL on 1 cc v. 2 300 CL ccs.