Got instant approval from orchard!!!

[poum]

My first cc after my BK was Orchard with a $300 CL. Second cc was Capital One with a CL of $2500 (both unsecured). Never had an issue with either one.

There is life after bankruptcy.

Good luck trb.

[Anonymous]

---

@trb wrote:

Thanks mustang

 I do plan on paying in full each month and will keep my util low, although its hard right now since my limits are low. I will put money on to the secured cards every month. here are the 3 cards with limit.

Towne Bank (Elan financial) secured - 500.00

Cap 1 (secured) - 300.00

Orchard (unsecured) - ?      Don't know about this one yet it didnt let me know when i got approved.

---

I would venture to guess orchard will be 300 or 500CL, probably 300.

I would do my best to get the secured cards up to around 1000 each if at all possible and maybe in a year you can get them unsecured. I'm not very knowledgeable in regards to secured cards, as I've never had one, I was lucky enough when I was rebuilding with a credit score in the very low 600's (610) to be exact, that Cap1 approved me for an unsecured Platinum MC card 500CL. Then I was approved for another Card, 3 months later, the No Hassle Rewards Platinum MC card 750CL.

So I may not be the best at giving advice on secured cards, my intentions are good tho.

Do you have any/many baddies on your reports?

[trb]

---

@Anonymous wrote:

---

@trb wrote:

Thanks mustang

 I do plan on paying in full each month and will keep my util low, although its hard right now since my limits are low. I will put money on to the secured cards every month. here are the 3 cards with limit.

Towne Bank (Elan financial) secured - 500.00

Cap 1 (secured) - 300.00

Orchard (unsecured) - ?      Don't know about this one yet it didnt let me know when i got approved.

---

I would venture to guess orchard will be 300 or 500CL, probably 300.

I would do my best to get the secured cards up to around 1000 each if at all possible and maybe in a year you can get them unsecured. I'm not very knowledgeable in regards to secured cards, as I've never had one, I was lucky enough when I was rebuilding with a credit score in the very low 600's (610) to be exact, that Cap1 approved me for an unsecured Platinum MC card 500CL. Then I was approved for another Card, 3 months later, the No Hassle Rewards Platinum MC card 750CL.

So I may not be the best at giving advice on secured cards, my intentions are good tho.

Do you have any/many baddies on your reports?

---

I have more than a few baddies but they are scheduled to fall of between the end of this year and all throughout 2012. Once that cycle completes, i will have two or three that will remain. I am working on getting those off now .

[Anonymous]

Congrats!!  I loved my Orchard for rebuilding.  Very easy to manage online, and they took me when no one else would.

I kept mine open for ten months, then closed it when I accepted an offer to open a no AF Juniper.

[tinuviel]

Congrats, trb!!!

I received an Orchard card last summer as a part of my rebuilding. I have no major complaints. Yes, the CL is small, yes the CLI I received is tiny. But, it's a rebuilder card, and it has served its purpose. I do like that I can pay online as often as I want throughout the month, it shows pending charges and I can pay them right away if I wish. All in all, it's not a bad rebuilder card.

Use your card wisely, and good luck to you as your credit grows!!!