Orchard Bank Classic MasterCards Reviews
See Orchard Bank Classic MasterCards Details
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.
Title: Still Waiting For Processing
Date Reviewed: 2011-12-19 12:07:37 | Recommended?: Yes
Review: I applied about 6 days ago. I like the preselect offer of approval- previously I was told I could only qualify for a secured card which I never accepted. This time I was approved for unsecured, no information given about interest rate or limit. I was immediately requested provide the $39 annual fee which was no sweat. I received an email 2 days ago stating they are verifying my salary. (good thing I didnt lie) :-). Still have not heard back but I will surely update soon as I hear the final results. Was told 10-14 days. Not in a big hurry for it anyway. Just trying to rebuild and establish revolving credit. Hoping for a decent limit. Recently approved for Amazon $600, Capitol One $300, Wwalmart $250 within the last month. Scores are around 650's. I live in MO. Not quite sure who they pulled yet.
Title: Quick 3-4 Day Answer
Date Reviewed: 2011-08-23 22:36:29 | Recommended?: Yes
Review: Experian 560 -- Equifax 539 -- Transunion 513 -- That's my score as of right now. I was approved only $320, but i'm ok with it b/c i ruined my credit before and i'm working to fixing it. I have like 10 collection accounts that need to be paid off, but it's tough and it will be done (i have given myself 1 year to fix this). I have one public record which is a judgment for about $2,700 dollars on a crappy auto loan i did 2 years ago.
Ps. The total of all my collection accounts would range about 15,000 but i will be using the settled amount, so i'm guessing about 6,000-8,000 dollars.
I have a Target card with 4,000 credit limit that is still open and its at zero, an Municipal Union Credit Card that is about 800 bucks and that one is almost full b/c i use it a lot. I got approved for a Capital One Unsecured Credit Card but they only gave me $300 bucks.
I have 2 joint accounts with my sister which i don't use, an American Express Card that has 2,000 bucks and a Macys Amex card that has 8,000 dollars.
Yet my credit score still sucks, and the # is super low. So i am trying to pay off my negative accounts then the # should go higher (hopefully).
Title: Orchard Bank
Date Reviewed: 2011-08-09 08:39:03 | Recommended?: Yes
Review: I was initally appproved with a low limit. After 9 months and never a late payment (also no late payments on my credit report for other accounts) and having only gone over 50% of my limit once, still am not eligable for a credit line increase. Otherwise no complaints.
Title: 609 EQ - Earn 89,000 Home Owner, Secured Card Only
Date Reviewed: 2011-05-01 20:19:04 | Recommended?: Yes
Review: Welll I got approved for Cap One tonight and thought I would go for broke and try to get an Orchard..no deal except secured. Planning a trip and will use my 300. Limit..at least 30% of it and payoff as soon as I get back before the due date. New to the forum, will post this on the other page to let others know. This is a good place for a fresh start.
Title: Not Bad, Watch Out On Paying
Date Reviewed: 2011-03-05 22:03:34 | Recommended?: Yes
Review: Got approved, low credit limit(320) only problem is the 2 week hold on your payments. Paid via bank transfer, asked why it wasn't posted, just was told would be a 2 week hold on payments. Anyone have any idea how to avoid this?
Title: Approved With Low Limit
Date Reviewed: 2011-02-28 23:10:16 | Recommended?: Yes
Review: Approved for an Orchard Bank Mastercard back in 02/2010
Card was my first card since dumping first premier. $300 limit and still their at $300 a year later. Worst customer service ever. When you call in csr's are very hard to understand. I called to complain about $74 annual fee is unacceptable rep cut fee in half to $37. Recently card was charged $74 again since it had been a year had to threaten to close in order to get fee cut in half. Word of advice never pay orchard bank their high annual fee first rep I spoke to told me they wouldn't remove the fee told him I want to cancel card then I'm not rich and cant afford outlandish fee American came on reduced fee immediately.
Title: Quick Approval
Date Reviewed: 2011-02-05 14:50:49 | Recommended?: Yes
Review: I did the prequalify thing and this was the only card I qualified for, but when I hit the submit button was instantly approved. My mother couldn't get this one but she got capital one new arrival card. You don't have to be a new immigrant to get this one.
Title: Approved!!!!!
Date Reviewed: 2011-01-24 17:37:51 | Recommended?: Yes
Review: Just called Orchard Bank and answered some security questions and was approved for $500. I filed BK July 2010 and discharged November 2010. The weirdest thing was that I included HSBC Bank( Orchard affiliate ) in my bankruptcy... I guess they gave me a second chance. See ya!!!
Title: They Actually Approved Me.
Date Reviewed: 2010-11-28 23:53:14 | Recommended?: Yes
Review: So, I am in the process of rebuilding my credit. I heard some things about orchard on here so I decided to check it out. Pre-qaulified for unsecured card. Then have been finally approved for a $320 credit line.
Heres factors that may have contributed to my approval (or lack of thinking that I would be approved)
I have some collections for college (8 total)
I didn't have an open major credit card.
I have two current and open/never late student loans totalling 39,000.
I do not have a retail card.
Income of 27,000.
No mortage/ auto loan.
Hope this helps people.
Annual fee, and interest rate high. Plan to pay off every month though.
Title: 2nd Card In 2 Months
Date Reviewed: 2010-10-12 20:00:36 | Recommended?: Yes
Review: Applied for this card to open more trade lines. Got message that was unable to finalize. Received a call 5 days later from customer service to verify identity due to fraud alert with bureaus. Approved for $320.00 cl. With $19.00 processing fee. My scores at the time: exp 585 equ 555 tra 656. Done with applying for now and hope to get a prime card in the next year or so.
Add Your Review
