HSBC/Orchard Bank Limit Increases

[Meddle]

Not sure where you are seeing this, but Orchard Bank still doesn't allow for CLI online.

In fact, even after advising Orchard Bank (HSBC Card Services) that I had an increaes in my salary and would like a CLI; I was increased by $100.00

[Anonymous]

Hmm, it's always been available to me via www.hsbccreditcard.com.  There is a "Customer Service" menu which drops down, and the second entry is/has always been "Request a Credit Limit Increase", which has never worked- until yesterday.  Strange.

Is "hsbc.com" Account Access the same as the version accessed via "hsbccreditcard.com"?  Maybe it's a different server?  Different company within the company?

One would think they would offer this to all HSBC card-holders.

[Switch2007]

I just dont think that Orchard provides the same option to request online. They have however FINALLY updated it to say to call in to speak to someone. They gave me a random $200 CLI about 2 months ago... (maybe less) so while I'm inclined to call in and request one, I'm afraid I'll get denied. I know the $200 was already pushing it with them! Hahaha

[Anonymous]

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@Switch2007 wrote:
I just dont think that Orchard provides the same option to request online. They have however FINALLY updated it to say to call in to speak to someone. They gave me a random $200 CLI about 2 months ago... (maybe less) so while I'm inclined to call in and request one, I'm afraid I'll get denied. I know the $200 was already pushing it with them! Hahaha

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I just checked mOrchard Card account to see if I can request a CL online and got the same message, to call in. My Orchard Bank Credit Card was opened in 2008 with a credit limit of $300 and they never once game a credit increase.  I have never made a late payment, have paid more then minimums, and current balance due is $0.  I may call in later to request one; will let you know how it goes!

[Switch2007]

Well, I did call to request one, and it was denied... with no reason. 

I told them to cancel it. I'm a little sick and tired of Orchard at this point. And I'm sure my measly $500 credit line wont do much for the appearance of their portfolio! 

ADIOS ORCHARD!!!!!!!!!

[Anonymous]

If I call to request a CL, will there be an inquiry on my credit report? 

[hardworker77]

Just wanted everyone to know that yesterday I called to request a CLI and got the 7-10 day letter in the mail. Fast forward to today a rep. called me to verify my info(since I have a fraud alert on my CR). Then she said that I was approved for a $100.00 increase not that much ,but I'll take it. Only  had the card a little over a year. So now my limit is $400.00. Good for me.

[Anonymous]

Will an inquiry pop up on your credit report if you request an increase?

[lithium78]

I called in and got a $200 CLI which raises my limit to $900.  I've had the card for four years.  I'm looking forward to being able to ditch this card next year and concentrate on cards that provide rewards.

[Anonymous]

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@Anonymous wrote:

Will an inquiry pop up on your credit report if you request an increase?

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My reports have yet to update since my CLI, so I'm not quite sure.  I would assume it shows an inquiry?