"Excellent Card"
Orchard Bank® Gold MasterCard® Review
Written by: aaronw23 on 2010-01-03
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
aaronw23's review: 
Got this card December 08 as part of my recovery efforts with a credit score in the low 500's and about 7 baddies and CO's. CL has been $320 and a AF of $29. The card is great for rebuilding. No charge to pay online and I have not had a problem using it anywhere. Have not been able to get a CLI yet though still working on that.
TU 511... EQ 623... EX 545
Got this card December 08 as part of my recovery efforts with a credit score in the low 500's and about 7 baddies and CO's. CL has been $320 and a AF of $29. The card is great for rebuilding. No charge to pay online and I have not had a problem using it anywhere. Have not been able to get a CLI yet though still working on that. TU 511... EQ 623... EX 545
3 Comments
Comment 1 by macy
Re: Excellent Card 
on 2010-01-04
Do not expect to get a credit limit increase. There
are people that's had the card for years and barely got more than what they started with. Very few have said $1000 or more and I noticed they all had the card for a long time that did.
on 2010-01-04 Do not expect to get a credit limit increase. There are people that's had the card for years and barely got more than what they started with. Very few have said $1000 or more and I noticed they all had the card for a long time that did.
Comment 2 by ari
Re: Excellent Card on 2010-01-05
Very, very true. I have three accounts w/HSBC, which btw is not supposed to happen. They limit your HSBC accounts to two. I have had all accounts for well over 3 yrs. Always paid on time and I've received an increase of 300 between 2 cards and $0 on the third. They rarely give cli's and they outsource their customer service, but it is what it is.
on 2010-01-05 Very, very true. I have three accounts w/HSBC, which btw is not supposed to happen. They limit your HSBC accounts to two. I have had all accounts for well over 3 yrs. Always paid on time and I've received an increase of 300 between 2 cards and $0 on the third. They rarely give cli's and they outsource their customer service, but it is what it is.
Comment 3 by brownfox79
Re: Excellent Card on 2010-01-05
I too love this card. I've had it for less than 2 years and have gone from a $300 CL to $1100CL.
I got my Orchard Card(AF-$59), along with other sub-prime cards during credit rebuilding in 04/08 with scores ranging from 485-502.
The 1st CLI I requested was in 03/09(almost a year later) and was given a $600 CLI totaling $900. 6 months later called again and was given a $200 CL, totaling my current limit to $1100.
My 3rd request for an increase will be sometime in 03/10, and I'll keep you guys updated!
Much Thanks to Orchard for helping to bring my scores to 635-670. That's an increase of 150-168 points in only 21 months.)
I'm aiming for all 700 scores by year end.
This is the only account I have with them, but will continue to treat it well.
Hang in there aaronw, you'll get CLIs! Good Luck!
on 2010-01-05 I too love this card. I've had it for less than 2 years and have gone from a $300 CL to $1100CL. I got my Orchard Card(AF-$59), along with other sub-prime cards during credit rebuilding in 04/08 with scores ranging from 485-502.
The 1st CLI I requested was in 03/09(almost a year later) and was given a $600 CLI totaling $900. 6 months later called again and was given a $200 CL, totaling my current limit to $1100.
My 3rd request for an increase will be sometime in 03/10, and I'll keep you guys updated!
Much Thanks to Orchard for helping to bring my scores to 635-670. That's an increase of 150-168 points in only 21 months.)
I'm aiming for all 700 scores by year end.
This is the only account I have with them, but will continue to treat it well.
Hang in there aaronw, you'll get CLIs! Good Luck!
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.
