topic Re: Orchard bank CLI!!!!!!!!!!!!!!!!!! in Credit Cards

Orchard bank CLI!!!!!!!!!!!!!!!!!!

GreenThumb553 — Wed, 11 May 2011 16:08:34 GMT

So, I got an alert today. The orchard bank CC CLI went from $800 to $1600!!!!!! We didn't ask, it must have been automatic. We have only been with them for 6 months...give or take....we were also using $600 out of the $800 util.

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

mal007colm — Wed, 11 May 2011 17:07:15 GMT

Wow that is great I have been with them for 7 years with a small limit of $700 and have not had any increases. My balance is always small (My credit monitoring service) and I pif every month. Congrats to you maybe I will get an increase if not I plan to cancel them soon.

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

Anonymous — Wed, 11 May 2011 17:32:06 GMT

I just got one, too - small, from $500 to $700 but considering that I've only charged $15 on it since January, it's a nice surprise.

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

Drefrombk — Wed, 11 May 2011 20:00:06 GMT

I just called to get my AF of $49 bucks removed and she gave me some BS not being able due to it being in the "terms" I will call back next week had the card for 2 and half years will cancel if they dont waive it

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

Anonymous — Wed, 11 May 2011 21:18:49 GMT

@sarahscott1561 wrote:
So, I got an alert today. The orchard bank CC CLI went from $800 to $1600!!!!!! We didn't ask, it must have been automatic. We have only been with them for 6 months...give or take....we were also using $600 out of the $800 util.

Wow, Congratulations!!!! Thats Awesome.

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

hedgeclipper2 — Wed, 11 May 2011 21:26:24 GMT

A: WHOA!

B: Congrats!

C: HSBC hates me, my store card is stuck at $2,400. :'-(

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

JonStur — Wed, 11 May 2011 22:56:41 GMT

HSBC can be very schizophrenic with their increases..never can figure out who's getting them and why...

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

lakerfan2011 — Thu, 12 May 2011 05:31:33 GMT

damn these people been trying to get an increase on my card for the last year and four months and they kept telling me they are not doing any this gives me some fire power when i call the excutive line tomorrow and let them know some people are getting increases.

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

cequia — Thu, 12 May 2011 13:15:16 GMT

Just logged in to Dh's account...$200 increase!!!!! Not much, but it's progress. Hopefully there will be more random increases in the future...

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

Anonymous — Mon, 04 Jul 2011 06:24:24 GMT

Does Orchard B. only doe automatic cli's??? I have had them for 2 years with the same lousy $300 cl. What can i do to get some love????

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

FicoTron — Sun, 02 Oct 2011 18:55:27 GMT

I have had an Orchard card for a year now and called two days ago to see about a CLI...I specifically told the rep that if a hard inquiry was involved that I DID NOT WANT TO MOVE FORWARD! He insisted that it was a soft pull and then told me he couldn't give me an answer and I would recieve something by mail in 7-10 days. Today I found out that they pulled a hard inquiry on Equifax. What can I do about this? I WILL NOT stand for it...

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

CS800 — Sun, 02 Oct 2011 19:02:20 GMT

Nice CLI

Orchard it seems like is coming around.

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

tray — Sun, 02 Oct 2011 19:11:59 GMT

I would see if there is a backdoor number for this card and try to speak with a superior agent and tell them your story I hope it gets you somewhere at least to get the inquiry itself removed as by the rep stating you will recieve a notice in 7-10 days is more likely a denial for the cli, good luck

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

Anonymous — Tue, 03 Jan 2012 02:39:19 GMT

I've had a orchard bank card for roughly 4 years,my CL started out at $300,after 2 years I asked for a CL increase and I had to pay for it they raised it to $420,keep in mind this card has a $79 dollar annual fee. Every year I call and say I'm going to cancel it and they cut the annual fee in half. Well I am calling tomorrow to cancel the card totally unless they give me a real CL and take the annual fee completely away. My credit now is far better than it was when I first applied for this card and I won't pay them a dime for an annual fee ever again.

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

Anonymous — Tue, 03 Jan 2012 02:52:14 GMT

@Anonymous wrote:
I've had a orchard bank card for roughly 4 years,my CL started out at $300,after 2 years I asked for a CL increase and I had to pay for it they raised it to $420,keep in mind this card has a $79 dollar annual fee. Every year I call and say I'm going to cancel it and they cut the annual fee in half. Well I am calling tomorrow to cancel the card totally unless they give me a real CL and take the annual fee completely away. My credit now is far better than it was when I first applied for this card and I won't pay them a dime for an annual fee ever again.

amen

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

Anonymous — Tue, 03 Jan 2012 20:19:24 GMT

So I just got off the phone with Orchard(HSBC Bank) after speaking with a really nice customer service rep,l told her about my extremely low limit $420 and absurd annual fee of $79 and stated that I will cancel the card if something cannot be worked out. She said I was eligble for a CL increase and promised me it was a soft pull. I agreed to let her go through with it and bam I was approved for a whopping $100 CL increase lol. I accepted it and plan on calling again before my annual fee in April is do and basically canceling the card entirely if I cannot get a higher limit with no annual fee. She also said I should try to apply for one of their better cards but stated that my CL ceiling for the card I have she thinks is $5000. Anyways just wanted to let you guys/girls know how my phone call went,and I better not get an alert message saying it was a hard inquiry! She told me that if her computer system requested a hard inquiry she would first ask me if I wanted to go through with it,which I of course would have replied absolutely not. I've been with them since 2007 with a perfect payment history,my card is the Orchard Bank Gold card. I forgot to mention I called the backdoor number from this site and the girl was extremely pleasant as previously stated.

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

Anonymous — Tue, 03 Jan 2012 20:26:15 GMT

Bam 100 bucks, that sucks

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

JustMe77 — Tue, 03 Jan 2012 20:41:15 GMT

I'm surprised Orchard says the card limits can be as high as $5000. Until this thread, I haven't heard of anyone with a limit on an Orchard card > $750.

I opened my card in Aug. 2010 and had a $500 limit on it until last month. I asked for an increase and they gave me a $100 increase, lol.

I appreciate Orchard for helping me get to where I am today credit-wise, but I'm closing the card this August. I regret letting it stay open over a year becuase my AF is so high ($79), but now that I've paid the $79 annual fee I might as well keep it open until the next fee hits.

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

Anonymous — Tue, 03 Jan 2012 21:41:12 GMT

Yea I was surprised when she said $5000 was the CL ceiling,she didn't sound to sure of it though. I am appreciative of them giving me a chance when my credit was horrible and if it wasn't for the annual fee I would leave the card open and actually maybe even use it. I've had good luck with them cutting the annual fee in half every year when I call and say I will cancel it if they don't. I'm fortunate enough now after a long credit rebuilding journey that I just received a couple Prime cards so I really have no use for the Orchard card any longer if I'm going to continue to have to pay an annual fee. Then again if they gave me a CL of a few thousand I probably wouldn't have a problem paying them $35 a year for an annual fee...

Re: Orchard bank CLI!!!!!!!!!!!!!!!!!!

neverrain — Tue, 03 Jan 2012 23:38:22 GMT

What number are you guys calling for this? Mine is currently $320 with $79 AF. I've been approved for better cards already. I called the back door number "HSBC: 866-551-0258 (Credit Analyst)" and they told me to call the number on my card. Anymore details? PM me if needed.