"Liv2627"
Orchard Bank® Silver MasterCard® Review
Written by: anonymous on 2007-02-21
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
anonymous's review: 
My credit score is above 500 and it still wont approve me...
My credit score is above 500 and it still wont approve me...
1 Comment
Comment 1 by very satified customer
Response To 
on 2007-03-26
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".
on 2007-03-26 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".
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.
