Orchard Bank® Platinum MasterCard® Review
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Written by: akcredit on 2008-04-17

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akcredit's review: Well my mom just got approved for $300. She has bad credit but she is tryin to clean it up as soon as possible. She has Macys $600, Credit One $200, And now $300 HSBC. She cant wait until she gets the card. Don't know what her scores were.

Apr 14.5 %
A F $59
C L $300

Will Update when she gets card.


Comment 1 by arod
Congrats on 2008-04-17

Congrats on your credit repair this is a good start and you will repair your file in time.

Good Luck,

Comment 2 by meya
Nice Starter on 2008-04-18

This is a nice starter card for her. Way to go!
Comment 3 by keys
On A Roll... on 2008-06-02

After finding success with Cap 1 earlier today, I decided to call up Orchard Bank for a CLI and see what happens (after all, the worst thing they can do is say NO!). Called their backdoor number and...$200 increase! I've had this card since Jan 08 and have heard that customer initiated CLI requests are almost always denied so I wasn't expecting anything, glad I tried anyway.
Comment 4 by thomas1
OB CLI on 2008-06-02

What was your original limit on the card since this was your first increase? Normally, they only give increases in increments of $100... Maybe after all the complaints about their stringent lines, they are showing a little more love??
Comment 5 by keys
Thomas1 on 2008-06-07

My original cl was $300. My sister has the same card and she told me that OB only gave her a cli of $75 so she was suprised that they gave me that much also. Maybe they heard how Cap1 is increasing limits and are attempting to compete, who knows?
Comment 6 by hjm331
RE: Keys on 2008-06-08

If you thought that the $75 CLI was funny, Orchard likes charging $15 for a $100. That's pretty pathetic if you ask me especially if you don't need the card. They are taking advantage of the fact that people who need to build their credit will indeed pay that $15. It's sad really.
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