"Credit Rebuild Card"
Orchard Bank® Premium Platinum MasterCard® Review
Written by: racerbob on 2011-01-06
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
racerbob's review: 
Got approved with credit score of 626.
Initial Credit limit is completely useless ($500), but I hope that'll go up after a while.
Ironically, Orchard card was my first card 15 years ago. After a financial meltdown a couple of years ago I ended up settling a $5,000 balance with them for ~$1,000
Now they are my first "post meltdown" card again.
Got approved with credit score of 626.Initial Credit limit is completely useless ($500), but I hope that'll go up after a while.
Ironically, Orchard card was my first card 15 years ago. After a financial meltdown a couple of years ago I ended up settling a $5,000 balance with them for ~$1,000
Now they are my first "post meltdown" card again.
4 Comments
Comment 1 by wanderer
Re: Credit Rebuild Card 
on 2011-01-06
Great card to use for a rebuild. Hoping you are able to build solid credit again and stay on the positive side. After nine years from a Bk Ch 7 it is NOT easy to get started again as I speak from my own experience. Found they were very strict on credit lines where mine went to a max of $800 then I went to Household Bank and hit $1,800 then to HSBC and now I am at $10,000 CL. There is hope!
on 2011-01-06 Great card to use for a rebuild. Hoping you are able to build solid credit again and stay on the positive side. After nine years from a Bk Ch 7 it is NOT easy to get started again as I speak from my own experience. Found they were very strict on credit lines where mine went to a max of $800 then I went to Household Bank and hit $1,800 then to HSBC and now I am at $10,000 CL. There is hope!
Comment 2 by mrrob
Re: Credit Rebuild Card on 2011-01-08
Orchard is not the best but will help to reestablish you. They don't give credit limit increases right now
on 2011-01-08 Orchard is not the best but will help to reestablish you. They don't give credit limit increases right now
Comment 3 by okie_sr
Re: Credit Rebuild Card on 2011-02-05
Recomend to anyone trying to re-build credit Have had a very good exp. With them !!
on 2011-02-05 Recomend to anyone trying to re-build credit Have had a very good exp. With them !!
Comment 4 by okie_sr
Re: Credit Rebuild Card on 2011-02-05
Recomend to anyone trying to re-build credit Have had a very good exp. With them !!
on 2011-02-05 Recomend to anyone trying to re-build credit Have had a very good exp. With them !!
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by Capital One Bank (USA), N.A.. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One Bank (USA), N.A.. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Capital One Bank (USA), N.A.. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One Bank (USA), N.A.. Review content is powered by Finance Globe.
