"APPROVED AGAIN"
Orchard Bank® $500 Line MasterCard® Review
Written by: tknoxjr on 2007-11-08
Overall Satisfaction
Customer Service
Rewards
Account Management
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tknoxjr's review: 
I currently have one orchard bank card with a 400 limit, so I tried to apply for the HSBC credit card and was denied because already have too many accounts, so applied with this card and was approved instanly, for cl of 500 of course, so why do they let me have two accounts with orchard bank and cant get approved for the HSBC credit card. On their faq it says that you are only allowed one account per cardholder, so now I have 2 and also a HSBC discover which makes 3, I called customer service and asked why I was approved and she said you are allowed to have more then one account, so I asked if they could combine the two cards into one and have one account with a 900 limit and she said it will take 10 days for a descision, why would they approve me for 2 accounts but need time to combine, has anyone else had this problem as I will keep you posted on their descision
I currently have one orchard bank card with a 400 limit, so I tried to apply for the HSBC credit card and was denied because already have too many accounts, so applied with this card and was approved instanly, for cl of 500 of course, so why do they let me have two accounts with orchard bank and cant get approved for the HSBC credit card. On their faq it says that you are only allowed one account per cardholder, so now I have 2 and also a HSBC discover which makes 3, I called customer service and asked why I was approved and she said you are allowed to have more then one account, so I asked if they could combine the two cards into one and have one account with a 900 limit and she said it will take 10 days for a descision, why would they approve me for 2 accounts but need time to combine, has anyone else had this problem as I will keep you posted on their descision5 Comments
Comment 1 by pamela2
Re:TKNOXJR 
on 2007-11-08
Hi if you don't mind me asking did you have to pay any fees for the card or did it come with the whole $500.00 limit? Thanks for any information you can give me.
on 2007-11-08 Hi if you don't mind me asking did you have to pay any fees for the card or did it come with the whole $500.00 limit? Thanks for any information you can give me.
Comment 2 by bizz
That Makes Me Wonder on 2007-11-08
I have an orchard bank card that I got 2 weeks ago. I then got preapproval for 300 limit on 2 different HSBC cards. So then 2 more HSBC offers came in the mail and I was denied when I tried to go for one today, saying I have too many cards. They definately are rather strange with acceptance
on 2007-11-08 I have an orchard bank card that I got 2 weeks ago. I then got preapproval for 300 limit on 2 different HSBC cards. So then 2 more HSBC offers came in the mail and I was denied when I tried to go for one today, saying I have too many cards. They definately are rather strange with acceptance
Comment 3 by pamela2
Me 2 on 2007-11-08
I just applied for the 500.00 credit line card and they denied me 2 saying I had to many cards with them also.
on 2007-11-08 I just applied for the 500.00 credit line card and they denied me 2 saying I had to many cards with them also.
Comment 4 by tknoxjr
Only Annual on 2007-11-08
The only fee that I am aware of is a $59 annual fee and a 39 rush processing fee if you choose to have your card in 3-5 days, the one card I have already has a 39 annual fee but that's the only fee I have
on 2007-11-08 The only fee that I am aware of is a $59 annual fee and a 39 rush processing fee if you choose to have your card in 3-5 days, the one card I have already has a 39 annual fee but that's the only fee I have
Comment 5 by pamela2
Thanks on 2007-11-08
Thanks for the info I applied but was denied (i have too many cards with them) I'm kinda glad they did deny me because I don't really need anymore cards I have 2 MasterCards 2 Visa's and 4 department store cards and that's enough for me.
on 2007-11-08 Thanks for the info I applied but was denied (i have too many cards with them) I'm kinda glad they did deny me because I don't really need anymore cards I have 2 MasterCards 2 Visa's and 4 department store cards and that's enough for me.
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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.
