topic Re: Capital One/Orchard Bank EO Office in Credit Cards

Capital One/Orchard Bank EO Office

daybreakgonesXe — Tue, 19 Mar 2013 23:11:41 GMT

Sent an e-mail out late Friday night, finally got the call today, however I was working at the time and couldn't answer by the time I went on my break to call the EO, I guess the call volume was busy during that time and nobody picked up within my 10-15 minute break...

As soon as I got out, I called, a woman picked up the phone immediately and I asked her if she could connect me to so-and-so and his extension so that I may speak to him about my Orchard Bank account. She took my name and phone number in case we got disconnected, tried his line, and let me know that he was out of the office, and if I would like to leave a voicemail. Gave the gentleman my name, number, and the times I would be available to chat, since I'll be working again tomorrow too.

In the e-mail, I asked for a CLI (from $1,500 to $10,000; hey, might as well shoot big!) on my recently unsecured account (seems different people have different results: nothing, or successful with HP, or successful with SP), as well as an annual fee waiver or completely cancelled. Had the account for almost 3 years (2 years 9 months, to be exact), absolutely no negatives or baddies on my account, and cards are in the siggy at the bottom. Also have approx $18,500 worth in student loans that are deferred.

Oh, and for the millions of people who post asking for the CEO's e-mail...google the name of the CEO, and it is: first name.last name@capitalone.com

May also ask if they can add rewards at all...might as well, considering I have higher limit cards with no annual fee AND rewards.

Let's see how it goes! I'm hoping for the best!

Re: Capital One/Orchard Bank EO Office

ihatemyscore — Tue, 19 Mar 2013 23:12:55 GMT

You`ll get it... I did... 300 to 1000.. no apr reduction but annual fee waived.

Re: Capital One/Orchard Bank EO Office

daybreakgonesXe — Tue, 19 Mar 2013 23:18:14 GMT

@ihatemyscore wrote:
You`ll get it... I did... 300 to 1000.. no apr reduction but annual fee waived.

Thanks! I couldn't remember who were the few people who got it with Orchard Bank, so thanks for posting and reminding me! I don't mind the apr, it's already super low (7.9%), but CLI and definitely the annual fee waived would be awesome!

Re: Capital One/Orchard Bank EO Office

LS2982 — Tue, 19 Mar 2013 23:22:17 GMT

@daybreakgonesXe wrote:
Sent an e-mail out late Friday night, finally got the call today, however I was working at the time and couldn't answer by the time I went on my break to call the EO, I guess the call volume was busy during that time and nobody picked up within my 10-15 minute break...

As soon as I got out, I called, a woman picked up the phone immediately and I asked her if she could connect me to so-and-so and his extension so that I may speak to him about my Orchard Bank account. She took my name and phone number in case we got disconnected, tried his line, and let me know that he was out of the office, and if I would like to leave a voicemail. Gave the gentleman my name, number, and the times I would be available to chat, since I'll be working again tomorrow too.

In the e-mail, I asked for a CLI (from $1,500 to $10,000; hey, might as well shoot big!) on my recently unsecured account (seems different people have different results: nothing, or successful with HP, or successful with SP), as well as an annual fee waiver or completely cancelled. Had the account for almost 3 years (2 years 9 months, to be exact), absolutely no negatives or baddies on my account, and cards are in the siggy at the bottom. Also have approx $18,500 worth in student loans that are deferred.

Oh, and for the millions of people who post asking for the CEO's e-mail...google the name of the CEO, and it is: first name.last name@capitalone.com

May also ask if they can add rewards at all...might as well, considering I have higher limit cards with no annual fee AND rewards.

Let's see how it goes! I'm hoping for the best!

Good luck to you!!

I think 10K may be a stretch tho.

Re: Capital One/Orchard Bank EO Office

Anonymous — Tue, 19 Mar 2013 23:27:29 GMT

Good luck to you!!

I think 10K may be a stretch tho.

Seems about right to me. Matching CSP sounds reasonable.

Re: Capital One/Orchard Bank EO Office

daybreakgonesXe — Tue, 19 Mar 2013 23:28:31 GMT

@LS2982 wrote:
@daybreakgonesXe wrote:
Sent an e-mail out late Friday night, finally got the call today, however I was working at the time and couldn't answer by the time I went on my break to call the EO, I guess the call volume was busy during that time and nobody picked up within my 10-15 minute break...

As soon as I got out, I called, a woman picked up the phone immediately and I asked her if she could connect me to so-and-so and his extension so that I may speak to him about my Orchard Bank account. She took my name and phone number in case we got disconnected, tried his line, and let me know that he was out of the office, and if I would like to leave a voicemail. Gave the gentleman my name, number, and the times I would be available to chat, since I'll be working again tomorrow too.

In the e-mail, I asked for a CLI (from $1,500 to $10,000; hey, might as well shoot big!) on my recently unsecured account (seems different people have different results: nothing, or successful with HP, or successful with SP), as well as an annual fee waiver or completely cancelled. Had the account for almost 3 years (2 years 9 months, to be exact), absolutely no negatives or baddies on my account, and cards are in the siggy at the bottom. Also have approx $18,500 worth in student loans that are deferred.

Oh, and for the millions of people who post asking for the CEO's e-mail...google the name of the CEO, and it is: first name.last name@capitalone.com

May also ask if they can add rewards at all...might as well, considering I have higher limit cards with no annual fee AND rewards.

Let's see how it goes! I'm hoping for the best!
Good luck to you!!

I think 10K may be a stretch tho.

Thanks! And personally, I feel like it's a stretch too, but like dustin mentioned, matching my other $10,000 card seems fair. Might as well reach high and have them counter!

Re: Capital One/Orchard Bank EO Office

zerobacan — Tue, 19 Mar 2013 23:30:30 GMT

got a called from Capital EO Today too, I asked for 3k, im in 500 right now since 5 years, however I have 3 baddies with that card since oct 2011... we will see how they treat me

im just hoping for 500 more or atleast 250

Re: Capital One/Orchard Bank EO Office

Anonymous — Tue, 19 Mar 2013 23:30:58 GMT

I got 3k on my Orchard card last week... happy with that if it stays at 7.9%!

Re: Capital One/Orchard Bank EO Office

daybreakgonesXe — Wed, 20 Mar 2013 13:38:25 GMT

Update! Got a call back from the guy, luckily i put all necessary information in the email so he just asked permission for a hard pull....boooo but for $10,000 it could be worth it! He didnt know what bureau, so for those who got it, what bureau? Orchard seems to attack equifax, which is fine since the only recent inquiry is from DCU for their checking. Wish me luck! Ill probably get the results today via voicemail!

Re: Capital One/Orchard Bank EO Office

youngandcreditwrthy — Wed, 20 Mar 2013 13:54:58 GMT

Whaaaaaa? A hard pull?!
That's crazy! Good luck!:-)

Re: Capital One/Orchard Bank EO Office

zerobacan — Wed, 20 Mar 2013 16:36:53 GMT

@daybreakgonesXe wrote:
Update! Got a call back from the guy, luckily i put all necessary information in the email so he just asked permission for a hard pull....boooo but for $10,000 it could be worth it! He didnt know what bureau, so for those who got it, what bureau? Orchard seems to attack equifax, which is fine since the only recent inquiry is from DCU for their checking. Wish me luck! Ill probably get the results today via voicemail!

Your numbers look good!

I bet they require HP when you ask for so much... 10ks!

Re: Capital One/Orchard Bank EO Office

daybreakgonesXe — Wed, 20 Mar 2013 17:56:45 GMT

Guess who has a $10,000 Orchard Bank Mastercard!!!!! Will update the siggy when i get home from work! We'll see about the fee waiver and what bureau they couldve pulled when the guy calls to confirm!

Re: Capital One/Orchard Bank EO Office

youngandcreditwrthy — Wed, 20 Mar 2013 18:14:08 GMT

You are kidding?!?!?!!!! That is the HIGHEST OB limit I have EVER SEEN?!?

Re: Capital One/Orchard Bank EO Office

mxp114 — Wed, 20 Mar 2013 18:19:39 GMT

I also emailed and got a call back today from formerly HSBC EO regarding my $1500 HSBC MasterCard. I requested $35,000 and approved a HP, should know by tomorrow. I don't expect it but went as high as possible. I would be happy with $15k+. Just preparing for the eventual transition to Capital One Venture Visa Signature.

Re: Capital One/Orchard Bank EO Office

zerobacan — Wed, 20 Mar 2013 18:39:11 GMT

Keep us updated!

Re: Capital One/Orchard Bank EO Office

daybreakgonesXe — Wed, 20 Mar 2013 19:56:30 GMT

Ill take a screenshot later of it, but yeah!!! Good luck mxp on yours!

Re: Capital One/Orchard Bank EO Office

daybreakgonesXe — Wed, 20 Mar 2013 23:38:13 GMT

Thar she blows!! Pretty freakin' sweet, if you ask me

Re: Capital One/Orchard Bank EO Office

zerobacan — Wed, 20 Mar 2013 23:44:15 GMT

OMG that is amazing!

you should make a new thread

Congrats, and dont spend it all in one night!

Re: Capital One/Orchard Bank EO Office

daybreakgonesXe — Wed, 20 Mar 2013 23:49:31 GMT

@zerobacan wrote:
OMG that is amazing!

you should make a new thread

Congrats, and dont spend it all in one night!

I think I'll make a new thread just to flaunt it ;D

Haha just kidding! But no, would be good for people who are skeptical or haven't received anything from the HSBC side to know that there's hope! XD

Thanks! And unfortunately, this card will likely only be used for a here and there purchase...no rewards = little usage. Is nice to have as a possible big purchase card, in case I ever need to carry a balance at a low APR! (7.9%)

When the transition is complete, looking to see what Cap One could change this too

Re: Capital One/Orchard Bank EO Office

TiggerDat — Thu, 21 Mar 2013 00:39:53 GMT

You can probably get that PC'd to a Venture card after the complete switch if they don't do it automatically. When it is in the Capone system you should check to see if there are any offers for it. You should call back and ask them for rewards if there aren't any on it now. I have a Household card with rewards and it is actually a good card, not as good as the Discover or Chase card I have, but still OK. I am hoping for a lower interest rate and a CLI with HSBC with my EO request. I should be hearing on the CLI tomorrow. I did not agree to a hard pull and kept firm on that since Capone doesn't require one from their EO and they are supposed to be Capone now, so the policies should still be the same.