Was gonna cancel "Orchard bank"

[jp_dlp]

I opened a regular orchard bank MC with $750cl dec'07.. it has an af $59! had a good payment history, never late, got auto cli last feb to $950.. After getting my credit up this past months and able to get no af cc.. I decided to close it.. currently have 15%APR.. talked to cust rep and as always, talked me out into signing up into their credit watch program not knowing what my business of the day was.. declined it and got straight to the point.. cancel my card.. she then transferred me to their CS dept. the usual sorry to hear about that story.. she offered me 8% APR the same cl. until further review this coming months.. I told her waive my af then I'll stay.. she said since I already paid my last af last year and the next this coming dec.. we'll wait and they'll review by then.. I agreed.. won't hurt the util.. I've never had any prob with orchard since opening..  nextime talk them out into waiving af or lowring apr.. or even cli! haha

[Anonymous]

I cancelled my Orchard last week..

Almost the same deal.  My credit limit was only $300, and they were screwing me with a $79 AF!  Got the same speech. 

So sorry to see you go, how about a lower rate??? 

No thank you! 

But you've already paid your AF for the year, why not use it?? 

UNLESS YOURE WILLING TO REMOVE THE ANNUAL FEE, THEN I DONT WANT THE CARD!!

Well, I'm unable to make that change to your account, ma'am.

Then close it please.

Yes, ma'am.

[jp_dlp]

lol.. nice one leehi.. I gave in for the reason that my af isn't gonna be due til dec, might as well use the util and hope to have my af waived..

card reporting 0 bal since jan..