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new orchard card

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Regular Contributor

new orchard card

Does anyone know how long it takes for a new orchard card to report to the bureau's?


Starting Score: EQ 564, TU 560
Current Score: EQ 724, TU 770, EX 789
Goal Score: 740


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Valued Contributor

Re: new orchard card


@whodatnation2 wrote:

Does anyone know how long it takes for a new orchard card to report to the bureau's?


After the bill prints.
Message 2 of 6
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Regular Contributor

Re: new orchard card

Orchard reports to all 3- which is good for rebuilding.   It took about 30 days to receive my card and another 30 ish days for them to report to all 3 agencies.

Starting Score Aug 2011 590/ Gardening until 2013!!
Current Score Walmart 683/ FICO Equifax 722/738/ 708 Transunion FICO 700/ 725 Credit Karma 648/678/
Goal Score 750
Credit Cards- Orchard $300, Capitol One $300/$500, Amazon $600/$1300 Pennys $700, Walmart $250/$700, Discover $2000, Chase $1500 Pending Citi/Declined Cit- Inquires and new credit....... GARDENING UNTIL 2013 or home loan time!!! Help me stay strong!!
Message 3 of 6
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Regular Contributor

Re: new orchard card

My Orchard card reported 7 days after I got the card! It was a huge shocker because I made 1 purchase for $260 + the $30 AF on a $300 limit (with the full intent to pay it down well before the due date - which wasn't showing up yet) and the statement cut 2 days after that purchase and needless to say it reported almost 100% util. So I got the card around January 30, and the statement cut around February 5th, and reported about 2 days later.

 

Does anyone know what's the highest cl range for Orchard Visa (I know it's probably low since it's a rebuilder)?


Starting Score: 576 EQ 1-12-13
Current Score: 588 EQ 2-3-13
Goal Score: 650


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Mega Contributor

Re: new orchard card


@whodatnation2 wrote:

Does anyone know how long it takes for a new orchard card to report to the bureau's?


About 60 days from approval.




EQ FICO 548 3/3/16
Message 5 of 6
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Established Contributor

Re: new orchard card


@whodatnation2 wrote:

Does anyone know how long it takes for a new orchard card to report to the bureau's?



Of course, everyone's situation is different, but I applied for Orchard on 2/17/12 and received my card on 3/6/12. When I called to activate the card, the CSR told me my statement would be issued on the 14th of the month and would report to the agencies on the 19th of every month. I didn't ask, he just told me. Not sure if that was an estimate or not, but it was pretty handy information.

FICO 8: EQ 784 / TU 776 / EX 778
BofA Cash Rewards Visa Sig $67,000 / AMEX EveryDay $30,000 / Chase CSR $23,700 / Citi Double Cash $23,600 / Discover It $20,400 / JetBlue Plus WEMC $25,000 / CapOne QuickSilver $9,450 / Chase Freedom $1,500 / Lowe's $35,000
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