@Anonymous wrote:
@Anonymous wrote:
Orchard bank is cap one now. Since you have cap one, go to local cus and see if they have any programs for new credit.
Since when did they get together?What do you mean, contact Cap1 and ask them?
Cap 1 purchased the majority of HSBC America's (Orchard was a part of this) credit card portfolio back in March (regulator approval at least, might've been announced earlier), think acquisition closed in May. Most of our tradelines were updated to Cap One instead of the old HSBC (NV) on our credit reports in June.
What Crash was suggesting was go find local CU's (Credit Unions, forum abbreviation) as they tend to be more generous with building/rebuilding people and also are just all around good to have anyway for future options later. Not all, but many fall into this category and they unilaterally are more relationship oriented than any of the national banks.
@Anonymous wrote:Thank you very much for the clarification. I will do that, but how would I know what CU offer HSBC Orchard or they all do? Sorry for the dumb question...
Ah, now I understand the confusion 
Sorry! HSBC is a company. Orchard was a brand name of that company, they aren't credit products.
Local CU's are other companies which also offer other credit cards, just like HSBC does (or did in the case of Orchard). Crash was suggesting going and talking to other lenders and see if they can help you out as well.