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Capital One/Orchard Bank EO Office

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daybreakgonesXe
Valued Contributor

Capital One/Orchard Bank EO Office

Sent an e-mail out late Friday night, finally got the call today, however I was working at the time and couldn't answer Smiley Mad 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 [email protected]

 

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!

Message 1 of 30
29 REPLIES 29
ihatemyscore
Frequent Contributor

Re: Capital One/Orchard Bank EO Office

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

BK: 7 filed 3/31/12 - Discharged 6/27/12
Made some poor choices and life snowballed
BK: 13 filed 7/29/16 - on a 36th month time out
No CC - No Loans - Student Loans all current.
Message 2 of 30
daybreakgonesXe
Valued Contributor

Re: Capital One/Orchard Bank EO Office


@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!

Message 3 of 30
LS2982
Mega Contributor

Re: Capital One/Orchard Bank EO Office


@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 Smiley Mad 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 [email protected]

 

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.

 




EQ FICO 548 3/3/16
Message 4 of 30
Anonymous
Not applicable

Re: Capital One/Orchard Bank EO Office



Good luck to you!!

 

I think 10K may be a stretch tho.

 


Seems about right to me. Matching CSP sounds reasonable.

Message 5 of 30
daybreakgonesXe
Valued Contributor

Re: Capital One/Orchard Bank EO Office


@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 Smiley Mad 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 [email protected]

 

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!

Message 6 of 30
zerobacan
Established Contributor

Re: Capital One/Orchard Bank EO Office

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 Smiley Happy

 

im just hoping for 500 more Smiley Happy or atleast 250 Smiley Happy

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Message 7 of 30
Anonymous
Not applicable

Re: Capital One/Orchard Bank EO Office

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

 

Message 8 of 30
daybreakgonesXe
Valued Contributor

Re: Capital One/Orchard Bank EO Office

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!
Message 9 of 30
youngandcreditwrthy
Senior Contributor

Re: Capital One/Orchard Bank EO Office

Whaaaaaa? A hard pull?!
That's crazy! Good luck!:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 10 of 30
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