Orchard Bank® Silver MasterCard® Review
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Written by: anonymous on 2007-02-21

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anonymous's review: Callout Comment My credit score is above 500 and it still wont approve me...

1 Comment

Comment 1 by very satified customer
Response To User Icon on 2007-03-26

Remarks Have you ever thought that each time you apply for credit that it can lower your score? If you apply too many times, or when applying for in house store credit, it can actually show up on your report as black marks, or negative to the creditors eyes to whom you are applying for. It is as though they consider it reckless behavior or a credit risk; they Red Flag it somehow. They have their reasons.
This company has been good, to me, as far as helping me re- establish credit. My only one complaint would be the charges for paying my bill over the phone. I pay most of my bills via automated service, and I must say, it is a charge that seems too high, esp. Compared to the other cards who don't charge "to pay your bill".
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