topic Re: Orchard Bank in Credit Cards

Orchard Bank

Anonymous — Sat, 02 Mar 2013 04:57:29 GMT

For two years I've been trying to get a CLI from Orchard. They gave me a token increase 18 months ago from $300 to $400. Yesterday I closed the account due to several approvals from prime lenders for considerably more money. Today I get a call from the EO begging for another chance. "What do we have to do to keep your business Mr. ______?" I asked them if they thought I was kidding with the last EIGHT request for an increase? The woman apologized and asked again for me to reconsider. I calmly thanked her for Orchards help while I was rebuilding but the EO should take a proactive approach with customers that are qualified for increases. They like to say no to you but sure don't like it when you say no to them.

Re: Orchard Bank

Anonymous — Sat, 02 Mar 2013 06:24:30 GMT

lol Should have just told them, 5K credit limit and no af. Then drawered em anyway and let your AAoA build with it.

Re: Orchard Bank

audia4 — Sat, 02 Mar 2013 08:29:04 GMT

I have an Orchard CC. So do you think there's a chance of an increase? I've had it now for about 8 months.

Re: Orchard Bank

Anonymous — Sat, 02 Mar 2013 09:46:56 GMT

I agree. There's your opportunity to ask for an CL of 5k and no AF. if they say yes, great SD it or not, still an account you can continue to age for free.

Yes, I thinik capital 1 is genuine about their EO efforts to please customers. they may even be revamping their entire process to grow with customers from building credit process through mature rewards users, but that change takes time so they are likely using their EO as a stop gap right now.

Re: Orchard Bank

toppers555 — Sat, 02 Mar 2013 11:01:41 GMT

@Anonymous wrote:
For two years I've been trying to get a CLI from Orchard. They gave me a token increase 18 months ago from $300 to $400. Yesterday I closed the account due to several approvals from prime lenders for considerably more money. Today I get a call from the EO begging for another chance. "What do we have to do to keep your business Mr. ______?" I asked them if they thought I was kidding with the last EIGHT request for an increase? The woman apologized and asked again for me to reconsider. I calmly thanked her for Orchards help while I was rebuilding but the EO should take a proactive approach with customers that are qualified for increases. They like to say no to you but sure don't like it when you say no to them.

Ouch and I thought my cli were bad with them. they tend to give me 200 everytime i ask for it 6 months, but my limit is still horrible. I recently contact the EO about my two HSBC , they credited ,and removed AF for good so I will keep them in SD for now rather then my plan to cancel both.

Re: Orchard Bank

Anonymous — Sat, 02 Mar 2013 11:33:05 GMT

Pilotdude wrote:

lol Should have just told them, 5K credit limit and no af. Then drawer em anyway and let your AAoA build with it.

Maybe you are right. Ask for the increase, with no AF, and let the sock drawer improve my AAoA.

Re: Orchard Bank

youngandcreditwrthy — Sat, 02 Mar 2013 14:25:16 GMT

Are yall contacting the C1 EO??
I can't even get the number on the back of my Orchard Gold card to work any more :-/

Re: Orchard Bank

toppers555 — Sat, 02 Mar 2013 14:43:59 GMT

@youngandcreditwrthy wrote:
Are yall contacting the C1 EO??
I can't even get the number on the back of my Orchard Gold card to work any more :-/

I emailed CP1 ceo. No idea if the EO have combined yet or not.

Re: Orchard Bank

Jkusa — Sat, 02 Mar 2013 15:12:09 GMT

The EO's have not combined.

In the email I sent to CapOne for a CLI I mentioned that I also have an Orchard Bank card, they were kind enough to forward to the Orchard Bank EO which was totally unexcpected.

Both EO's are absolutely fantastic, IMO an icon of what customer support should be

Re: Orchard Bank

Anonymous — Sat, 02 Mar 2013 15:38:08 GMT

@Jkusa wrote:
The EO's have not combined.
In the email I sent to CapOne for a CLI I mentioned that I also have an Orchard Bank card, they were kind enough to forward to the Orchard Bank EO which was totally unexcpected.

Both EO's are absolutely fantastic, IMO an icon of what customer support should be

The Cap One EO is off the chain outstanding!! Can't give the name of who I have dealt with there, but when I told I am a private commercial pilot and someone I know had mentioned an individual business card that might be good for me, she was all over it. I decided not to app for it at the moment since I am waiting for several accounts I have or am on to still report and as my limit at Cap One tripled due to the EO, I certainly want that to report as well before I app for anything else...even if its another Cap one account (I only have one in my name)

I couldn't believe the difference in service between their regular CSRs and the folks in the Executive Office. It really is night and day different from the whole "Capital One does not accept customer initiated CLI requests at this time". When I heard that come out of their CSR who sounded like he was in a can in Pakistan, I was like "Do you accept Customer initiated account closures then?"

At the exec office it was all "We can fix that for you. let me give it a shot." and they bloody did.

So, what I am getting at, is maybe give Orchard or HSBC or whomever it is a shot? They might just surprise the heck out of you as Cap One's EO did me and lots of others apparently?

Re: Orchard Bank

Anonymous — Sat, 02 Mar 2013 19:43:47 GMT

You should have held off closing the Orchard account as Cap1 will be sending out new Cap1 cards to Orchard Bank customers in the fall with a rewards structure. During the transition, Cap1 is not giving out CLIs on Orchard cards. If you call the EO you may get your AF waived but that's it. I am very interested in finding out what my Orchard card will turn into in the fall. I think the transition website is www.hellocapitalone.com

Re: Orchard Bank

Jkusa — Sat, 02 Mar 2013 20:49:25 GMT

@Anonymous wrote:
You should have held off closing the Orchard account as Cap1 will be sending out new Cap1 cards to Orchard Bank customers in the fall with a rewards structure. During the transition, Cap1 is not giving out CLIs on Orchard cards. If you call the EO you may get your AF waived but that's it. I am very interested in finding out what my Orchard card will turn into in the fall. I think the transition website is www.hellocapitalone.com

Agreed on keeping it opened, this is all business/numbers and I try not to take the negatives as a personal affront.

As for the second part this is true, however like I wrote previously, Cap1 did unexpectedly forward my email to the Orchard EO and they DID give me a CLI. So essentially one email got me a CLI on both Cap1 and Orchard cards. Both EO's were an absolute pleasure to work with and that feeling would've been that same had I not been given CLI's. There was zero script reading, other than the standard financial questions i.e.are you currently employed, what's your salary, etc. There is no comparison to the front line talking boxes.

As always YMMV applies when it concerns CLI's

Re: Orchard Bank

Anonymous — Sun, 03 Mar 2013 02:14:00 GMT

Jkusa wrote:

MovingForward_2012 wrote:
You should have held off closing the Orchard account as Cap1 will be sending out new Cap1 cards to Orchard Bank customers in the fall with a rewards structure. During the transition, Cap1 is not giving out CLIs on Orchard cards. If you call the EO you may get your AF waived but that's it. I am very interested in finding out what my Orchard card will turn into in the fall. I think the transition website is www.hellocapitalone.com

Thanks. I'm glad I kept the womans number. It may be good to see what can be done.

Re: Orchard Bank

Anonymous — Sun, 03 Mar 2013 03:07:07 GMT

Interesting that you got a CLI on your Orchard card...that is EXTREMELY rare right now. Congrats! My Orchard limit is $1100 and has been that amount since July 2011. What is your limit on the Orchard card now?

Re: Orchard Bank

Anonymous — Sun, 03 Mar 2013 03:26:04 GMT

MovingForward_2012 wrote:

Not certain if that was directed towards me. I won't know until I speak with the EO on Monday. She seemed anxious to retain my business.

Re: Orchard Bank

Anonymous — Sun, 03 Mar 2013 03:30:23 GMT

Please let us know as I'm curious about my potential. ;-)

Re: Orchard Bank

Jkusa — Sun, 03 Mar 2013 04:11:52 GMT

@Anonymous wrote:
Interesting that you got a CLI on your Orchard card...that is EXTREMELY rare right now. Congrats! My Orchard limit is $1100 and has been that amount since July 2011. What is your limit on the Orchard card now?

Both cards have been open almost 4 years with no CL movement at all, identical 2500 limits. They both were approved for CL of 5k!

Keep in mind that during the 4 years I was never late and never came close to my CL with charges, paid in full most months but not always.

Also, I did not ask for anything else such as a PC nor to get rid of AF (probably shoud've asked for that). The nice lady from Orchard even stated that it was extremely unusual for them to approve anything but they are beginning to rethink their policy and considering my history with them they decided to approve. I'm wondering if they saw C1 up to 5k (since they approved about 3 days earlier) and, now being part of the C1 family, decided to followed suit.

I didn't start out trying to get an Orchard increase as I knew from the forums here that they have put a hold on that during the transition to C1. I simply referenced the Orchard account, along with my C1 savings account and C1 auto loan for them to see how perfect I've been for the last 4 years.

Much to their credit they looked, agreed and approved. Needless to say I'm beyond thrilled.

Re: Orchard Bank

Anonymous — Sun, 03 Mar 2013 19:34:32 GMT

Wow! $2500 to start with Orchard is extremely good! I started out with a measly $300 limit in 2009. The Orchard card was my first credit card in over 10 years after my downfall. I received frequent increases until the transition started and I am stuck at $1100. My card is almost 4 years old in May. Most of the time I PIF and rarely have I carried a balance and it has never been late. So I hope spring of next year after it transitions to Cap1 I will get a big increase after a 2 1/2 year wait and not $300. It is close to being axed once I get a Discover and AMEX next year if they don't recognize me as being a superior customer. $5000 CL on an Orchard is unheard of. You really got the best offer from them! Congrats!

Re: Orchard Bank

09Lexie — Sun, 03 Mar 2013 19:54:12 GMT

@Jkusa wrote:
@Anonymous wrote:
You should have held off closing the Orchard account as Cap1 will be sending out new Cap1 cards to Orchard Bank customers in the fall with a rewards structure. During the transition, Cap1 is not giving out CLIs on Orchard cards. If you call the EO you may get your AF waived but that's it. I am very interested in finding out what my Orchard card will turn into in the fall. I think the transition website is www.hellocapitalone.com
Agreed on keeping it opened, this is all business/numbers and I try not to take the negatives as a personal affront.
As for the second part this is true, however like I wrote previously, Cap1 did unexpectedly forward my email to the Orchard EO and they DID give me a CLI. So essentially one email got me a CLI on both Cap1 and Orchard cards. Both EO's were an absolute pleasure to work with and that feeling would've been that same had I not been given CLI's. There was zero script reading, other than the standard financial questions i.e.are you currently employed, what's your salary, etc. There is no comparison to the front line talking boxes.
As always YMMV applies when it concerns CLI's

My DH finally sent an email and I urged him to ask for the APR reduction, fee waived and CLI. A few days later he received a call saying they would look into his concerns ( he had the card or 5 years no CLI and never late). Friday he received a letter saying they would decrease his APR , waive his fee but 'unfortunately Orchard Bank is not doing credit increases at this time' Oh well, 2 out of 3 isn't bad. I told him to try again after the transition is finalized

Re: Orchard Bank

Anonymous — Mon, 04 Mar 2013 23:09:10 GMT

I've had my Orchard Bank card since 2007 and it started out with a 300 limit. It's now at 1800, and I got a couple auto CLIs but the rest of them were through CS.

Sadly, that was all before the Capital One takeover. I haven't had any luck at all since. But it's my oldest card and the 1800 limit is not bad, so I still use it. Otherwise, I've been pretty happy with Orchard Bank.