Hi, I'm new and I am really serious about rebuilding my little credit, and I wanted to look into an Orchard MC to help, a few stats about me

sure i can help....
first put in perspective what are you trying to accomplish on your credit card agenda

then sign up for credit karama to get a second opiion/look at your free transunion score(yes free not report..SCORE)
if you are with DCU you can get a free credit score from equifax every month if you sign up or are referred which i can help with thAT

but most importantly get a PUBLIC SAVINGS BANK VISA SECURED CARD PRONTO!!!!!
No Annual fees
0% APR on all purchases for the first 6 months
Credit not a factor
Choose your credit limit from $300 to $2000
$0 fraud liability
We report to all 3 major credit bureaus!
Qualify with a deposit as little as $300!
No Annual fees! Just a $75 one time application fee.
0% APR on all purchases for the first 6 months, then a variable rate at Prime plus 7.99% - currently 11.24% APR.
25 day grace period. If you pay your balance in full, there will be no interest charges.
-dont do employment check

this right here is a no brainer if you DONT do ANY of the recommondations i told you above ..please do the public bank card this card is way better than orchard or first premire COMBINEd... by a long shot

when you get this card and start using it ..and use it wisely you will see the results immediately

hope this helps
says uzipolo-king of decatur
-dont do credit check
-use they online bank with NO FEE
-get more than one card if you want

Well, I just called Orchard Bank and found out that my account is in collections and the only way to get back in their good graces is to pay the collection agency and then Orchard will release the hold that they have placed on my account.

Has anyone here ever heard of such a thing?

i have paid off my collection with first premire visa but the account is on my credit reports as paid/charge off
now according to the discussing when you say RELEASE what does that mean
does that mean that when you call them they will continue the account from where you left off at or do you have to start from scratch?

When you say your debt is $1,500 is that including the charge-offs? You will still have to pay them back! That is still considered your debt. Soon enough the collectors will contact you to start the process. Just wait. Put some money aside for them now. Don't buy things you can't afford.

Yea, that includes the chargeoffs! And I already went through and called all my old cc companies and after demanding and threatening, I got the collection company info, I want to pay it off before it even becomes a problem. I called about a B of A card I had (years ago, and I hear they blacklist, which is a real bummer because I really wanted another go with them) and when I called the collection agency they referred me to, they said they had no record of my debt! If I were stupid, I would just say "forget it" but "forgetting it" is what got me here in the first place.

Hi, I'm new and I am really serious about rebuilding my little credit, and I wanted to look into an Orchard MC to help, a few stats about me

When you say your debt is $1,500 is that including the charge-offs? You will still have to pay them back! That is still considered your debt. Soon enough the collectors will contact you to start the process. Just wait. Put some money aside for them now. Don't buy things you can't afford.

Hi, I'm new and I am really serious about rebuilding my little credit, and I wanted to look into an Orchard MC to help, a few stats about me:

I'm 21 years old
I've had some collection stuff in the past
I'm only $1,500 on the whole
my scores are:

Experian - 538

Equifax - 564

TransUnion - 559

I'm having a really hard time paying people back because many of my old accounts have been charged off to collection agencies and when I call the credit card companies to get some insight, they act like they can't even tell me where they sent the account! I signed up for CreditKeeper and it's already really helped me a lot, putting things into perspective and all, but I still want (and need) to pay off this debt while it's still small and easy. Can anybody help me? Thanks!

All -

From what I understand, a lot of the HSBC shareholders across the pond are not happy with the decision to acquire subprime US banks. They may just be limiting their exposure. It is strange though that they would not want to actively market to prime borrowers....

All - I don't know if anybody noticed but, HSBC "Local Bank" has no connection to their HSBC Credit Cards other than to pay. All connections are to Orchard Bank, Household Bank and their Affinity Cards. I watched them slowly phase cards off of their HSBC site (figured they would be doing something new). Nothing came back. I have done a massive search and only came up with premium cards offered outside of the United States and NOT to US citizens. Hmm... what's up? They have HSBC Advance but no HSBC Card connections included. Very interesting. Now, I really wonder why they moved my HSBC American Express Card with Plus Rewards over to Direct Merchants Bank (HSBC owns this as a US based bank). Further, the Plus Rewards is not part of the Direct Merchants Bank site. You have to receive a paper statement (I do) and call a seperate group to check on or redeem your plus rewards. Hmm... On the flip side, they beefed up the American Express side of my card with real AX phone and internet options and opportunities. Sure gotta' wonder!

They'd rather lose you as a customer than waive the annual fee on the Platinum card.

lolz! I hope they are reading this!!

They'd rather lose you as a customer than waive the annual fee on the Platinum card.

That's too bad. Well, it's their loss. But what's with their Blue Cash card? It say 0% APR for 6 months, no annual fee?

I have two HSBC accounts that has the request credit limit options on them and now they are useless."we are not taking credit limit request online at this time" is a message you get when you click on it, so i guess it's a requirement on their part to comply with the changes. I'm just keeping the accounts for aging.

Yesterday I received an email from Household bank that says you can now make online payments on weekends and holidays and you can now make same day payments(until 8pm ET) without a fee.

I can confirm that young man, asked AMEX to waive the annual fee if I upgraded to a Platinum Card. Nope, nada

They'd rather lose you as a customer than waive the annual fee on the Platinum card.

I can confirm that young man, asked AMEX to waive the annual fee if I upgraded to a Platinum Card. Nope, nada

Never heard of AMEX waving their annual fees for existing customers.

Meya's right. I remember seeing the AMEX Green card which is a charge card and doesn't have pre-set limit. There was a $125 annual fee.

Can AMEX waive its annual fee? I heard that HSBC can waive their clients' annual fee.

:cheerup:It will be ok, remember, it is just a bank which our high apr's built