What am I missing here ?

[Anonymous]

All the fishy stuff aside, the terms look really good to me.  No AF.  2% cash back.  Very good APR.  0% promo.  Sounds good.

Just don't expect much in the CL department, now or in the future.

Nice card.  (I can't believe I just said that about OB, and I actually meant it.)

[GST2008]

Congrats Contractor, I thought my APR with them was good at 12.9%, but you deff. beat me and rewards on top of that. I got 2k to start also, but have gotten them to boost it a couple times by $200.00. The people have always been very helpful and friendly in customer service and if you do request a CLI it's only a soft. Aside from the limit (I'd be very happy with 3k), I have no complaints about OB.

[Anonymous]

Thanx for the input, I thought it was good considering it's OB. I'm new at this though and wanted some opinions. I wonder if there is any chance they would drag my HSBC CL over to this card if I ask. Hmmm. Doubtful. I built HSBC up to 8K over a couple years, started at 1K if I remember correctly. Maybe I can do that with this one. My new plan is to use this card for purchases and PIF at least monthly so it has no financing. Nice to finally have a decent rate in case I have to carry over short term occasionally.

[GST2008]

My hope is that I can continue to build on my accounts as well too. Be careful though, HSBC will only allow you to have two accounts with them unless you receive an invitation. I was just pre-approved for an HSBC MC with rewards and when I applied, it was denied due to the fact that I have two accounts with Orchard. The CSR told me that even though I was pre-approved, that was diff. than an invitation for another CC with them and wouldn't recon. it or even change the hard to a soft inquiry. Lol, how was I to know that they only allow two when they keep sending me more offers or that there was a difference between pre-approved and invited??? But that was at HSBC and not OB, the CSRs at OB are much nicer.