topic Re: ORCHARD BANK EO in Credit Cards

ORCHARD BANK EO

scorpiostinger07 — Tue, 19 Mar 2013 16:53:06 GMT

I have a question...Should I send an email to the CEO of Capital One for my Orchard Bank Mastercard?

Thanks

Re: ORCHARD BANK EO

09Lexie — Tue, 19 Mar 2013 16:53:43 GMT

Yes

Re: ORCHARD BANK EO

scorpiostinger07 — Tue, 19 Mar 2013 16:55:07 GMT

Thanks for your quick responce!!

Re: ORCHARD BANK EO

tattooedhusker — Tue, 19 Mar 2013 16:58:12 GMT

I just got done dealing with the EO for Capital One. Depending on your issue (if it's for CLI), they won't be able to help until the conversion is complete, which looks like early summer time.

Re: ORCHARD BANK EO

scorpiostinger07 — Tue, 19 Mar 2013 17:02:34 GMT

Can I ask what they were able to do for you? I wrote asking for a CLI.

Re: ORCHARD BANK EO

tattooedhusker — Tue, 19 Mar 2013 17:05:16 GMT

Basically that they were not offering CLI for Orchard cards at this time, atleast until the conversion is completed.

Re: ORCHARD BANK EO

Anonymous — Tue, 19 Mar 2013 17:19:59 GMT

Capital 1 eo handled my cli and waived my af just last week

Re: ORCHARD BANK EO

sarkell — Tue, 19 Mar 2013 17:22:44 GMT

I'm not messing with mine until conversion is complete sd for sure. I'm going to try and get limit to 1500-2000 then and cancel my c1 mc because its only 3 years old while my orchard is 8. though is I can get the visa to 5k ill cancel both. Going to try another cli in 6 months.

Re: ORCHARD BANK EO

youngandcreditwrthy — Tue, 19 Mar 2013 17:26:23 GMT

Does anyone know if C1 will move over an OB credit line to a C1 credit line?

Re: ORCHARD BANK EO

Anonymous — Tue, 19 Mar 2013 17:29:31 GMT

@youngandcreditwrthy wrote:
Does anyone know if C1 will move over an OB credit line to a C1 credit line?

They won't do anything until the conversation is complete.

Re: ORCHARD BANK EO

youngandcreditwrthy — Tue, 19 Mar 2013 17:29:32 GMT

Does anyone know if C1 will move over an OB credit line to a C1 credit line? I want to close my $1700 OB and move it to my $5k C1!

Re: ORCHARD BANK EO

tattooedhusker — Tue, 19 Mar 2013 17:30:11 GMT

@youngandcreditwrthy wrote:
Does anyone know if C1 will move over an OB credit line to a C1 credit line?

To an existing C1 line, or OB to a new C1? Because, all OB lines will be an official C1 line by this summer.

Re: ORCHARD BANK EO

missji — Tue, 19 Mar 2013 22:10:20 GMT

@youngandcreditwrthy wrote:
Does anyone know if C1 will move over an OB credit line to a C1 credit line? I want to close my $1700 OB and move it to my $5k C1!

Earlier this month I emailed the CEO and got a call from a rep in the EO for C1. She told me that she would handle my C1 request and forwarded my request to her counterpart for OB since the conversion is not yet complete. I got a CLI on the C1 card with a soft pull (I confirmed with her that it was a SOFT and it was). I also asked her if they would be combining accounts in the future and she said that it was unlikely since they don't even do it for two C1 accounts.

For the OB card, a different person called me from that EO and told me that it would be a HARD pull for them to do a manual review for a CLI on the OB card. I declined because I didn't want an inquiry due to an OB inquiry that would probably be denied anyway!

Hope this all helps...

Re: ORCHARD BANK EO

hersheykisses — Tue, 19 Mar 2013 22:12:53 GMT

Just spoke to EO today no combining capital one card with HSBC/Orchard card they will be two separate accounts, HP required for any orchard CLI request.

Re: ORCHARD BANK EO

Jkusa — Tue, 19 Mar 2013 22:14:47 GMT

@missji wrote:
@youngandcreditwrthy wrote:
Does anyone know if C1 will move over an OB credit line to a C1 credit line? I want to close my $1700 OB and move it to my $5k C1!
Earlier this month I emailed the CEO and got a call from a rep in the EO for C1. She told me that she would handle my C1 request and forwarded my request to her counterpart for OB since the conversion is not yet complete. I got a CLI on the C1 card with a soft pull (I confirmed with her that it was a SOFT and it was). I also asked her if they would be combining accounts in the future and she said that it was unlikely since they don't even do it for two C1 accounts.

For the OB card, a different person called me from that EO and told me that it would be a HARD pull for them to do a manual review for a CLI on the OB card. I declined because I didn't want an inquiry due to an OB inquiry that would probably be denied anyway!

Hope this all helps...

Same exact senario for me, except I let OB do the HP. They approved and doubled up my CL to 5k

Re: ORCHARD BANK EO

missji — Tue, 19 Mar 2013 22:44:59 GMT

@Jkusa wrote:
@missji wrote:
@youngandcreditwrthy wrote:
Does anyone know if C1 will move over an OB credit line to a C1 credit line? I want to close my $1700 OB and move it to my $5k C1!
Earlier this month I emailed the CEO and got a call from a rep in the EO for C1. She told me that she would handle my C1 request and forwarded my request to her counterpart for OB since the conversion is not yet complete. I got a CLI on the C1 card with a soft pull (I confirmed with her that it was a SOFT and it was). I also asked her if they would be combining accounts in the future and she said that it was unlikely since they don't even do it for two C1 accounts.

For the OB card, a different person called me from that EO and told me that it would be a HARD pull for them to do a manual review for a CLI on the OB card. I declined because I didn't want an inquiry due to an OB inquiry that would probably be denied anyway!

Hope this all helps...

Same exact senario for me, except I let OB do the HP. They approved and doubled up my CL to 5k

Congratulations! (I'm insanely ticked at myself right now for not taking the HP!)

Re: ORCHARD BANK EO

Anonymous — Tue, 19 Mar 2013 22:53:01 GMT

@kerbear1969 wrote:
Just spoke to EO today no combining capital one card with HSBC/Orchard card they will be two separate accounts, HP required for any orchard CLI request.

Guess I lucked out then... SP for my Orchard

Re: ORCHARD BANK EO

09Lexie — Tue, 19 Mar 2013 23:01:28 GMT

My DH got an APR reduction and AF waived but no CLI at this time....that was about 3 weeks ago

Re: ORCHARD BANK EO

ihatemyscore — Tue, 19 Mar 2013 23:08:28 GMT

I just recieved a CLI from 300 to 1000 and a annual fee waiver. No APR reduction from Capital One EO but ORCHARD BANK EO..

So YES THEY ARE GIVING INCREASES! I OPENED MY ACCOUNT MAY 2012 RECIEVED INCREASE 4 DAYS AGO! BAM!!

Re: ORCHARD BANK EO

Anonymous — Tue, 19 Mar 2013 23:39:46 GMT

@ihatemyscore wrote:
I just recieved a CLI from 300 to 1000 and a annual fee waiver. No APR reduction from Capital One EO but ORCHARD BANK EO..

So YES THEY ARE GIVING INCREASES! I OPENED MY ACCOUNT MAY 2012 RECIEVED INCREASE 4 DAYS AGO! BAM!!

Aint that a B****!! They told me they were not doing cli's..