Orchard Bank

[Niki9]

I called Orchard today and for the millionth time I asked for a rate reduction.

Again they told me that nothing was avail and to try back at another time.

So, I asked if they could upgrade my card.  I have had a classic card since 2001.

They said that they would upgrade me to a gold card. 
But the did not know the the APR was and that all of that info would be sent to me in the mail.

I just find this to be sad because it would seem that it is important for them to relay this information to their customers.

This is now my oldest card.  I am willing to lose them if I have to.  My credit has improved tremendously since 2001.  Why would they make an effort not to lose me?

Applied Bank has already lost me because they were not willing to work with me.

[Anonymous]

I called them a million times too for a rate reduction they always said no. When I called to cancel they asked why, I said because the rate was too high. (30%) They offered to lower it, I then said NO! cancel it

[Anonymous]

I dont have this card however have you ever threaten to cancel the card if they dont make a change ????????

[Niki9]

I will have to try that next.

I will wait and see what the rate is on the gold card.  If it is not to my liking. I will have to call and let them know.

They may have to go to credit card heaven like Applied Bank.

[heirophant]

I have had my Orchard Bank card for exacly a year now.  I also now have a no-annual fee card from HSBC - a gold card.  When I opened, I contacted customer service via the Orchard Bank website.  They said that they could not drop the annual fee b/c it was the terms of my cardmember agreement.  I didn't like their answer, so when I received the card from HSBC, I called them and asked about combining the cards into one card, the HSBC one of course.  They put in the request and I am still waiting to hear back from them on the decision, but the HSBC representative (after putting in the request) transferred me to an Orchard Bank representative and proceeded to tell her that I was planning on getting rid of the card.  I don't think she told the Orchard rep that I was actually just trying to combine the cards.  The Orchard representative, in an effort to keep my account open, then agreed to drop my annual fee and also gave me  credit limit increase (w/o pulling my credit).  So, the moral of the story: act like you are going to close the account and they just might give in.

P.S.  I still haven't heard back about combining the credit lines, but won't it be sweet to have a card over $1000.  (Orchard $600, HSBC $500)  I might actually be able to rent a car.  Couldn't do that with those crappy $300 limits.  Especially since they all started authorizing for like $300 over the cost of the rental.  Just another thing to make my day happier.

[Anonymous]

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@Anonymous wrote:

I dont have this card however have you ever threaten to cancel the card if they dont make a change ????????

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I have had luck with that, with my HSBC card when it was new, and I had not even activated it at that time. They not only waived the AF but also gave me $250 credit limit increase.