topic Re: What's your Orchard Card limit? in Credit Cards

What's your Orchard Card limit?

shorrttyycm1 — Tue, 03 Jan 2012 21:14:11 GMT

So, I have been reading on this thread how Orchard bank only gives LOW credit limits and REALLY LOW increases, if any, over years. I have an Orchard bank card going on almost a year. It started at $320 with $29 AF 8 months ago, I called, Increase of...wait for it....$100!!! Just for fun, and because I am cureous, does anyone get a high limit with this company? What's your limit....

Card: Orchard Bank Gold

AF: $29

Yrs: 0.8

Starting CL: 320

Current CL: 420

Re: What's your Orchard Card limit?

tcbofade — Tue, 03 Jan 2012 21:17:13 GMT

Mine started at $300, now a $600 card.

My wife started at $500, now a $900 card.

(I've had mine for four years, hers for three...)

Re: What's your Orchard Card limit?

quest208 — Tue, 03 Jan 2012 21:18:59 GMT

i started with $500 feb 2010.

sometime in 2011 it automatically went up to 700. i think it was after i carried a balance for months and then paid off in full.

i still have an annual fee, i want to call them everyday until someone waives it.

Re: What's your Orchard Card limit?

shorrttyycm1 — Tue, 03 Jan 2012 21:20:54 GMT

Thanks for the reply! Wow, that's great...you are both at almost double the original limit. If you don't mind me asking, what are your scores?

Re: What's your Orchard Card limit?

shorrttyycm1 — Tue, 03 Jan 2012 21:22:31 GMT

Wow, they gave you an annual fee with your scores...I am doomed to AF hell

Re: What's your Orchard Card limit?

JustMe77 — Tue, 03 Jan 2012 23:21:31 GMT

Opened in August 2010 with a $500 CL.

Requsted a CLI sometime a few months ago, and was denied. Requested a CLI this month (December 2011), and they gave me a $100 increase. So my current limit is $600. I have the Orchard Bank 'Gold' Visa, with a $79 AF and a 15-something % APR.

Re: What's your Orchard Card limit?

quest208 — Tue, 03 Jan 2012 23:29:31 GMT

79??????????

OUCH! i cant see paying that high for something thats not amex or palladium......or at least giving me back a CL of $10k and over

79 is pretty darn high to only get back $600!!!

Re: What's your Orchard Card limit?

Anonymous — Tue, 03 Jan 2012 23:53:12 GMT

@quest208 wrote:
79??????????

OUCH! i cant see paying that high for something thats not amex or palladium......or at least giving me back a CL of $10k and over

79 is pretty darn high to only get back $600!!!

but wait,, if u act now we will give u an extra 100 bucks,, u just pay $40 for process and handling

Re: What's your Orchard Card limit?

ColdWater3000 — Wed, 04 Jan 2012 03:07:28 GMT

I forgot what I started with but they increased my card to 900 after about a year of having the card. Then I called and asked for a increase and they increased it to 1300 but I havent used the card in about four months. I think I'm going pay it off within the next three months and close it.

Re: What's your Orchard Card limit?

JustMe77 — Wed, 04 Jan 2012 06:38:19 GMT

@quest208 wrote:
79??????????

OUCH! i cant see paying that high for something thats not amex or palladium......or at least giving me back a CL of $10k and over

79 is pretty darn high to only get back $600!!!

It's ridiculous, but it's a subprime card and c'est la vie. It served its purpose, but I'm closing mine later this year.

Re: What's your Orchard Card limit?

Anonymous — Wed, 04 Jan 2012 06:40:29 GMT

$0. I decided it was time to close it, so it's closed. Until my reports update though, it's $300.

Re: What's your Orchard Card limit?

quest208 — Wed, 18 Jan 2012 03:55:45 GMT

@quest208 wrote:
79??????????

OUCH! i cant see paying that high for something thats not amex or palladium......or at least giving me back a CL of $10k and over

79 is pretty darn high to only get back $600!!!

i need to eat my own words. that's how much im paying to get back 700. i didnt realize how high it was.

i have to think about this again........paying 10% of my credit limit yearly!!! plus any interest on balances. this is robbery LMAO

Re: What's your Orchard Card limit?

lithium78 — Wed, 18 Jan 2012 04:23:08 GMT

I've had my Orchard Bank "gold" card for nearly five years. It started with a $300 limit and it is currently at $900. 14.9% APR. $79 AF. The card is getting cancelled next month before the AF comes up again. It served it's purpose and now it's time to move on.

Re: What's your Orchard Card limit?

SoulMaster — Wed, 18 Jan 2012 05:45:21 GMT

@Anonymous wrote:
$0. I decided it was time to close it, so it's closed. Until my reports update though, it's $300.

+1 Closed it last week (and the week before).

Re: What's your Orchard Card limit?

Client9 — Wed, 18 Jan 2012 06:10:35 GMT

I am the exception to the rule with Orchard. Back in November of 2005, my scores were in the low 500's. Orchard Silver took a chance with me and gave me a $200 line. The limit increased with time for some dumb reason. $400 then to $800, then to $1200 to ehat it is now My Orchard Silver limit is $3600 now. I still pay that $39 every year as a reminder to never let my scores go down the crapper again. My scores now are 778 TU and 815 EQ.

Re: What's your Orchard Card limit?

shorrttyycm1 — Wed, 18 Jan 2012 14:15:53 GMT

$3600....I think that's the highest limit I have heard of with Orchard

+1....it has served it's purpose and I will close at the 1 year mark...VERY soon!

Re: What's your Orchard Card limit?

learnin113 — Wed, 18 Jan 2012 18:28:11 GMT

@Client9 wrote:
I am the exception to the rule with Orchard. Back in November of 2005, my scores were in the low 500's. Orchard Silver took a chance with me and gave me a $200 line. The limit increased with time for some dumb reason. $400 then to $800, then to $1200 to ehat it is now My Orchard Silver limit is $3600 now. I still pay that $39 every year as a reminder to never let my scores go down the crapper again. My scores now are 778 TU and 815 EQ.

Wow!

Re: What's your Orchard Card limit?

Anonymous — Wed, 18 Jan 2012 20:25:22 GMT

this is not really orchard but i have a household bank card starting cl was 200 now its 1500 and no af they are basically the same card but diffrent names lol the websites look exactly the same

Re: What's your Orchard Card limit?

Anonymous — Wed, 18 Jan 2012 21:36:54 GMT

Based off the reports from this site Orchard cards:

Silver-$3600

Gold- $900

Platinum- $300

Looks like Orchard has the metallic value system on it's head

Re: What's your Orchard Card limit?

Anonymous — Wed, 18 Jan 2012 21:47:02 GMT

Opened in May 2011 at $320 with a $29 annual fee I believe. Still sitting at $320. I'm going to chuck it once the year is up.