Orchard/First Premier...Highest CL? - Credit Repair Forum from Creditnet
Results 1 to 5 of 5
  1. #1
    topazmoon is offline Senior Member
    Join Date
    Oct 2001
    Posts
    129
    What's the highest credit limit you've received for a Orchard or First Premier Card? How long did it take you to receive CL increases and did you have to pay for them? Also...what's your APR?

    Thanks in advance!!!

    Cynthia

  2.  
  3. #2
    mambomn is offline Junior Member
    Join Date
    Jul 2001
    Posts
    46

    Re: Orchard/First Premier...Highest CL?

    In Jan, I received Orchard/Household Plat card with $5,000 CL and a promo APR of 1.7 for six months. At the time of application, they pulled Equifax (710).
    I will wait six months before requesting a CL increase.

  4. #3
    thecatslai is offline Senior Member
    Join Date
    Nov 2001
    Posts
    294

    Re: Orchard/First Premier...Highest CL?

    This is my experience..

    First Premier has lots of upfront charges. They increased my CL after perfect payments for 6 months. The increase was only $100 and cost me $25. They said they will never charge for an increase again but won't automatically increase until the card is 1 year old and annually after that. They do have a button on their website to ask for one though. They charge you $5 to make an online payment. My rate is 18.95. and my initial CL was $450. They also charge a monthly service fee and an annual fee based on your credit worthyness. I really don't recommend them.

    My husband has a Household bank card that he got from a preapproval offer in the mail. The CL is only $300. The annual fee is $49 and the interest rate is 18.9. He hasn't had the card long enough to determine how often the CL will be increased.

    If you can get Capital One to give you a chance I think they are the best. I wish I had never gotten the First Premier card because soon after I got the preapproval from Cap One and they are much better.

    We had a Chap. 7 discharged a couple of years ago.

    Kim

  5. #4
    daveberk is offline Senior Member
    Join Date
    Aug 2001
    Posts
    264

    Re: Orchard/First Premier...Highest CL?

    I have two Orchard cards. A classic opened in 1994 has a credit line of $5K. No increases in two years. APR 15.9. Annual fee has been waived every year but I have to ask.

    The other is a gold card opened in 1998. Limit is $3,100. Increases every three months in the range of $200-$300. APR 15.9. Annual fee is waived every year but I have to ask.

    I think $5K is as high as they will go on the card I got in 1994 but I'm told they go higher on other cards. One rep. told me they have some accounts as high as $15K.

    I tried to combine the accounts and they said no. They gave me some stupid reason why they couldn't do it. I hardly ever charge anything on Orchard. The APRs are way higher than any other cards I have. I keep them because they are old but I'm getting fed up with Orchard's bullshit.

  6. #5
    Slayer is offline Senior Member
    Join Date
    Feb 2002
    Posts
    206

    Re: Orchard/First Premier...Highest CL?

    has anyone ever done a PFB to Orchard for CL increase? I haven't used mine for 8 months, and they stopped giving me increases, and stopped reporting. I only keep it open because it's a 4 year old account.

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

Sign up for the Creditnet email newsletter.

Creditnet - Find the right credit card for you Best Airline Cards Best Gas and Groceries Cards Balance Transfer CreditNet Best Credit Cards for Building Credit

Find a
Credit Card

Research, compare, & apply

Bad Credit

0% Interest

Cash Back

No Annual Fee

search

Perusahaan Outsourcing Bekasi

Outsourcing Tenaga Kerja