"I Love The Card!"
Orchard Bank® Silver MasterCard® Review
Written by: cheryl on 2005-09-13
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
cheryl's review: 
I absolutely love this card and everything they promised was upheld, as long as you do the right thing. The right thing such as staying at least under 50% or your credit limit, paying bills early or on-time, paying more than the minimum, etc. I hadn't had this card longer than 9 months and they increased my limit from $300-$500! They did not charge me a fee to increase my limit either like many cards of this category. They do not have outrageous nor ridiculous fees. Despite having poor credit at one time, I was always treated with much respect from them. The reps all have strong Asian accents though, which is frustrating but everything can't be perfect. If you are serious about rebuilding your credit, this is the card for you. My FICO went from 460/480-675 in less than a year!
I absolutely love this card and everything they promised was upheld, as long as you do the right thing. The right thing such as staying at least under 50% or your credit limit, paying bills early or on-time, paying more than the minimum, etc. I hadn't had this card longer than 9 months and they increased my limit from $300-$500! They did not charge me a fee to increase my limit either like many cards of this category. They do not have outrageous nor ridiculous fees. Despite having poor credit at one time, I was always treated with much respect from them. The reps all have strong Asian accents though, which is frustrating but everything can't be perfect. If you are serious about rebuilding your credit, this is the card for you. My FICO went from 460/480-675 in less than a year!
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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.
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.
