"Whats Up With This Card."
Orchard Bank Low APR MasterCard® Review
Written by: iantha1 on 2008-11-11
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
iantha1's review: 
Ok I have had this card for 8 months now and I still can not get them to give me a credit limit increase. I have tried the back door number and the front door number. Granted I am using this card to build me credit but they are not showing me any love !. I have never been late and my pymt's are always hire then the minimum amount due. Can some one tell me who they check (what credit trans - exp- exq) ect. So please up date me on this one because its way past time for an increase.
Ok I have had this card for 8 months now and I still can not get them to give me a credit limit increase. I have tried the back door number and the front door number. Granted I am using this card to build me credit but they are not showing me any love !. I have never been late and my pymt's are always hire then the minimum amount due. Can some one tell me who they check (what credit trans - exp- exq) ect. So please up date me on this one because its way past time for an increase.
11 Comments
Comment 1 by binks
Takes Time And Utilization 
on 2008-11-11
I had a card from Orchard a few years back while I was rebuilding (it did the trick, Im now prime only). They didn't give me any CLI either for the first year, then offered me another card instead of a CLI. I Took the additional card then merged them together into one larger CL. From that point on, I was able to request an increase every 6 months and get it. From my experience, they like to see significant utilization and nearly PIF each month... Only carry over small balances (less than 10% of your CL).
on 2008-11-11 I had a card from Orchard a few years back while I was rebuilding (it did the trick, Im now prime only). They didn't give me any CLI either for the first year, then offered me another card instead of a CLI. I Took the additional card then merged them together into one larger CL. From that point on, I was able to request an increase every 6 months and get it. From my experience, they like to see significant utilization and nearly PIF each month... Only carry over small balances (less than 10% of your CL).
Comment 2 by meya
Welcome To The Club on 2008-11-11
Orchard is so tight until they squeak when they walk. This card is just a door opener for the rest to come. Someone in here received a $20 cli, now that was disrespectful. I have not had an increase from them in over 1 year and I have been faithful to them for 5 years and they still wont show me love. Turn to your other cards for cli's and don't worry about this one, you can forget it.
on 2008-11-11 Orchard is so tight until they squeak when they walk. This card is just a door opener for the rest to come. Someone in here received a $20 cli, now that was disrespectful. I have not had an increase from them in over 1 year and I have been faithful to them for 5 years and they still wont show me love. Turn to your other cards for cli's and don't worry about this one, you can forget it.
Comment 3 by hjm331
RE: on 2008-11-11
As I always say, HSBC including Orchard Bank is not a card that will you give CLI's. They are just good for reporting history onto your report and building credit. They will help you get those cards who give you CLI's like clockwork.
on 2008-11-11 As I always say, HSBC including Orchard Bank is not a card that will you give CLI's. They are just good for reporting history onto your report and building credit. They will help you get those cards who give you CLI's like clockwork.
Comment 5 by rebuildme
They Are Terrible on 2008-11-11
I've been with them for almost 5 years and my current credit line is only $800.00 and out of five years I've only been late 1 time and that was in the first year. The limited started out with $300 as you can see I haven't gone far yet
on 2008-11-11 I've been with them for almost 5 years and my current credit line is only $800.00 and out of five years I've only been late 1 time and that was in the first year. The limited started out with $300 as you can see I haven't gone far yet
Comment 6 by brian23
Re Rebuildme on 2008-11-11
According to many of the posts here, the fact that you've been raised 500 in the past 5 years, you seem to be making a lot better progress than most.
Just continue to make on-time payments with this card and before you know it, you will be off with another company and with some better terms.
on 2008-11-11 According to many of the posts here, the fact that you've been raised 500 in the past 5 years, you seem to be making a lot better progress than most. Just continue to make on-time payments with this card and before you know it, you will be off with another company and with some better terms.
Comment 7 by cireone
ORCHARD, Or HSBC CLIs : ( on 2008-11-11
Orchard Bank along with its parent company HSBC do not offer generous CLIs and if they decide to give you one its like a year or two later and as Meya said can be as low as $20. I got a $20 CLI on both the Orchard Bank and my BestBuy RewardZone Mastercard each. Ive had both cards for two years. They suck in getting CLIs.
on 2008-11-11 Orchard Bank along with its parent company HSBC do not offer generous CLIs and if they decide to give you one its like a year or two later and as Meya said can be as low as $20. I got a $20 CLI on both the Orchard Bank and my BestBuy RewardZone Mastercard each. Ive had both cards for two years. They suck in getting CLIs.
Comment 8 by arod
Card Is Only For Credit Repair on 2008-11-11
I had this card plus Household bank and due to no credit line increase I closed them. I mean there are not bad to repair credit and they don't charge fee's... Only a annual fee but if you can get better cards and your FICO is high don't bother with Orchard Bank unless you want a low credit line. How ever if you are fixing your credit stay with them for a couple of years until your FICO goes up.
Take care,
Alex
on 2008-11-11 I had this card plus Household bank and due to no credit line increase I closed them. I mean there are not bad to repair credit and they don't charge fee's... Only a annual fee but if you can get better cards and your FICO is high don't bother with Orchard Bank unless you want a low credit line. How ever if you are fixing your credit stay with them for a couple of years until your FICO goes up.Take care,
Alex
Comment 9 by rsty99
Concur on 2008-11-12
If your not paying a annual fee keep it open, but look elsewhere for better cards.
on 2008-11-12 If your not paying a annual fee keep it open, but look elsewhere for better cards.
Comment 10 by brownfox79
Unexpected Nice CLI From Orchard on 2009-03-15
I called Orchard yesterday, just 3 weeks before my 1 year anniversary to request a CLI. And to my surprise the rep tripled my CL from $300 to $900!! I was really hoping for a $100 increase, not $600. The killer part was that she didn't even charge me a fee for the increase, and there wasn't a hard pull on my credit report! I guess I was just having a lucky day.
on 2009-03-15 I called Orchard yesterday, just 3 weeks before my 1 year anniversary to request a CLI. And to my surprise the rep tripled my CL from $300 to $900!! I was really hoping for a $100 increase, not $600. The killer part was that she didn't even charge me a fee for the increase, and there wasn't a hard pull on my credit report! I guess I was just having a lucky day.
Comment 11 by meya
Go Play Lottery! on 2009-03-15
This is good news! I last heard of them giving someone a $25 cli, that made us fall to the floor and I have not asked for a cli since. I keep getting the denial... Lol.
on 2009-03-15 This is good news! I last heard of them giving someone a $25 cli, that made us fall to the floor and I have not asked for a cli since. I keep getting the denial... Lol.
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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.
