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

Orchard Bank CLI !!!

Anonymous — Tue, 24 Jan 2012 00:26:50 GMT

Requested and received first ever increase from them, only went from $300 to $450 but it is a start!!!

Re: Orchard Bank CLI !!!

shane82388 — Tue, 24 Jan 2012 01:57:50 GMT

Online or on the phone?

Re: Orchard Bank CLI !!!

JusdoNit — Tue, 24 Jan 2012 02:25:15 GMT

Good start.

Re: Orchard Bank CLI !!!

Anonymous — Tue, 24 Jan 2012 03:07:12 GMT

On the phone, the online option was unavailable when I followed the link.

Re: Orchard Bank CLI !!!

Anonymous — Tue, 24 Jan 2012 03:46:14 GMT

Congrats!! How long have you had the cc? I just signed up for one and haven't gotten it yet so wondering about the timeframe for cli.

Re: Orchard Bank CLI !!!

Anonymous — Tue, 24 Jan 2012 03:51:01 GMT

I have had for over 4 years, never been late but also have never asked for an increase before so dont be discouraged from asking. Seems lke every 6 mos is what I have been reading, provided they dont do a hard pull of your credit report.

Re: Orchard Bank CLI !!!

seattletravels — Tue, 24 Jan 2012 04:00:08 GMT

HSBC accepts cardholder initiated CLI every 6 months.

Re: Orchard Bank CLI !!!

shane82388 — Tue, 24 Jan 2012 04:11:08 GMT

@seattletravels wrote:
HSBC accepts cardholder initiated CLI every 6 months.

But is it a hard hit? Inquiry for a lame $100 CLI isnt worth it probably...

Re: Orchard Bank CLI !!!

seattletravels — Tue, 24 Jan 2012 04:22:29 GMT

I got increases on both my HSBC cards this month - one was $550 and the other was $100. Both were soft.

Re: Orchard Bank CLI !!!

CS800 — Tue, 24 Jan 2012 04:26:24 GMT

@Anonymous wrote:
Requested and received first ever increase from them, only went from $300 to $450 but it is a start!!!

Any CLI is a good CLI

Re: Orchard Bank CLI !!!

CS800 — Tue, 24 Jan 2012 04:26:53 GMT

@seattletravels wrote:
I got increases on both my HSBC cards this month - one was $550 and the other was $100. Both were soft.

Lucky you. HSBC hates me

Re: Orchard Bank CLI !!!

seattletravels — Tue, 24 Jan 2012 04:35:59 GMT

That's because you SD them. I have a bills that go on each monthly. Orchard sucks but BBRZ MC has given me a few CLI.

Re: Orchard Bank CLI !!!

seattletravels — Tue, 24 Jan 2012 04:36:31 GMT

The $100 that Orchard gave me was the first time they increased me in 18 months. lol

Re: Orchard Bank CLI !!!

shane82388 — Tue, 24 Jan 2012 04:38:05 GMT

When you called in did they ask questions or was jsut like "lemme check that for ya...."?

Re: Orchard Bank CLI !!!

CS800 — Tue, 24 Jan 2012 04:40:31 GMT

@seattletravels wrote:
That's because you SD them. I have a bills that go on each monthly. Orchard sucks but BBRZ MC has given me a few CLI.

I have used the BBRZMC twice last year maybe thats why

Re: Orchard Bank CLI !!!

seattletravels — Tue, 24 Jan 2012 04:53:25 GMT

@shane82388 wrote:
When you called in did they ask questions or was jsut like "lemme check that for ya...."?

I called the backdoor number and the girl that answered pulled up both accounts separately and just ran them. She didn't ask any questions.

Re: Orchard Bank CLI !!!

shane82388 — Tue, 24 Jan 2012 04:58:58 GMT

K good. I hate when they ask you to calculate your income for the year on the spot, list the last 3 places you have lived, your mother maiden name, where your parents met, etc

Re: Orchard Bank CLI !!!

shane82388 — Wed, 25 Jan 2012 01:52:29 GMT

Whats the backdoor number? I looked at the sticky but didnt see Orchard...?

Re: Orchard Bank CLI !!!

p- — Wed, 25 Jan 2012 02:00:45 GMT

@Anonymous wrote:
Requested and received first ever increase from them, only went from $300 to $450 but it is a start!!!

Sweet... I call and get a 200 increase every six months like clockwork. Called early once, and they said it hadn't been six months yet, call back... And they have never hard pulled me for a CLI.

Heard lots of different opinions about them, but they gave me credit when no one else would, and I haven't paid a dime in interest, so they're cool in my book.

Except for that durn annual fee... Hopefully when they are cap 1 I can PC.

Re: Orchard Bank CLI !!!

p- — Wed, 25 Jan 2012 02:03:33 GMT

And the love button has never worked for me - it always says call customer service.