Report Your "Credit limit Increases" Here!

**LLAY1** · April 11th, 2008, 11:55 AM

Orchard bank increased limit from 300-500 after 1 month and a threat to cancel. $72 annual fee is too much but 8.9% APR is very nice. still not sure what to do any advise is appreciated.

**Meya** · April 11th, 2008, 01:27 PM

Thats where they get you. 8.9% against $72 per year with a $500 limit. They know they can make you feel good with a 8.9% but they know that $500 is not going to get them as much as $72 annual. They look at our spending habbits to see where will they profit more.

**bramford** · April 12th, 2008, 01:20 AM

Orchard Bank is part of HSBC. Does anyone Know what HSBC stands for? I called and found out. It stands for Hong Kong Shanghai Bank Corp. Their Customer Service stinks. Stay away from HSBC at all cost. :

**Meya** · April 12th, 2008, 02:46 AM

Welllllll, that bank name has done justice around here, and I will stand up and say thank you, biut i have to go.

**bramford** · April 13th, 2008, 05:03 PM

Hi everyone. Here is my current status

Amex Green Card--No Limit
Amex Blue Cash--1000
CitiBank credit Line--2000. CLI to 4000
CitiBank Cash Back CC--2000. CLI to 4000
CitiBank Dividend cc--5300
CitiBank Professional Cash--1000.
Chase Freedom--2000
Discover Card--3100
JC Penney--2000
Macys--2000. CLI to 2200
Macys type 30 acct--1000. CLI to 2200
Hooters--1000
Capital One No Hassle cash--750. CLI to 1250
Capital One platnum--500. Interest Rate reduced from 16.99 to 12.99
BofA--500
Gm Flex Card--500
Wells Fargo--500
First Premier-450
First Premier-375
Honda Finance, Car Lease-26,000--530
Mercedes Finance, Car Lease--35,000--540

**Meya** · April 13th, 2008, 09:01 PM

Way to go, I would drop the first premeire though! I dont see where they fit into play with the others. If it is your longest history, they have not done much for you so chop their heads completly off.

Nice cards, you go!

**hjm331** · April 13th, 2008, 09:04 PM

Why do you have FPB cards? lol

**bramford** · April 13th, 2008, 09:13 PM

Originally Posted by 100008

Way to go, I would drop the first premeire though! I dont see where they fit into play with the others. If it is your longest history, they have not done much for you so chop their heads completly off.

Nice cards, you go!

Hi Meya. I thought that you should keep your longest history Credit Cards open. that is why I have kept the 2 FPB accounts open. So you think I should close them? Won't it hurt my credit score if I do so?

**Meya** · April 13th, 2008, 09:23 PM

I was just telling someone else that in the cc reviews about this. If your scores are very high, I say drop them, it is not going to hurt you at all if your scores are already high. This card is just holding you down and credit reports does not look good when you have nice limits with low limit cards hanging up in them. It makes other creditors hold back on your cli's because they probalby figure something is wrong with you and the lower limit creditor in which they are not reporting. If you took a 20 pt drop, you can get it right back in no time.

Scores does not matter to me at a certain point in time. If I know I am about to nearly max out a card, who cares what my score looks like? I am not about to apply for credit anyway and I am opted out with all three cb's. As long as I know I am about to pay it off in a matter of months, and my scores will replace themselves, who gives a hoot!

**Meya** · April 14th, 2008, 01:10 AM

Everyone, go and request a cli from Walmart right now. I was just talking on the review board and I notice that people were getting a nice cl, so I went to the official site to request a cli and I got a $100 cli...wahooooo! It may seem small but anything will do for a cli (unless they charge a fee).

**lyyssa01** · April 14th, 2008, 06:08 AM

Wow, 19 cards. I thought my wallet was bursting open with just 6!

**bramford** · April 14th, 2008, 03:08 PM

Hello everyone. My secured BoA card just became unsecured. CLI 500-1000

**Meya** · April 14th, 2008, 03:26 PM

Right on, how does it feel buddie knowing that bofa says "Oh kaaay, I think this person has been under management for a while now. let's set brammy loose in the Teir One World"