"Good Card - Don't Be Fooled By Apperances"
Orchard Bank Visa Cards Review
Written by: mburnett on 2012-03-30
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
mburnett's review: 
Applied 8/2011 - Instant Approval
$320 limit - 19% APR - 39 annual fee charged on first bill
Avg credit score was 540.
$60k+ income
$150k+ in debt (student loans)
6 derogs
1 judgement
No BK
Feb 2012 got a CLI for $100. Only carried a balance 2/6 first mos ($150 avg) otherwise, I paid the balance off in full.
EXP on March 2012 was 600. No late payments since on any accts since 6/2011. A good rebuilder if you can budget and keep the balance low. Customer service is hit or miss but still friendly, definitely overseas. Payment system is effortless. Hoping to be around 650 avg credit score by Dec 2012. Will probably keep this card for a while.
Applied 8/2011 - Instant Approval$320 limit - 19% APR - 39 annual fee charged on first bill
Avg credit score was 540.
$60k+ income
$150k+ in debt (student loans)
6 derogs
1 judgement
No BK
Feb 2012 got a CLI for $100. Only carried a balance 2/6 first mos ($150 avg) otherwise, I paid the balance off in full.
EXP on March 2012 was 600. No late payments since on any accts since 6/2011. A good rebuilder if you can budget and keep the balance low. Customer service is hit or miss but still friendly, definitely overseas. Payment system is effortless. Hoping to be around 650 avg credit score by Dec 2012. Will probably keep this card for a while.
1 Comment
Comment 1 by wanderer
Re: Good Card - Don't Be Fooled By Apperances 
on 2012-03-31
Good work. It takes time and patience to build back from credit challenges. Usually a couple of good years helps.
on 2012-03-31 Good work. It takes time and patience to build back from credit challenges. Usually a couple of good years helps.
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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.
