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Discussion in 'Credit Talk' started by Susan, Jan 30, 2001.
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I used to have a MC with Orchard. My first increase was $100 after 6 months. After that (every six months), it was larger - topped out at $500 (I think). Limit originally $300, ended at $2K before I closed it.
Yep, that's pretty bad but I've got you beat. 1st Premier is worse! I've been with them a year...maintained a perfect record....and I was rewarded with a $50 increase. What an insult!
I just recently closed 4 Orchard accounts. All in good standing, never late payment and always paid in full each month. They offered to increase the limits on all 4 by $200 (hehe) or reduce the APR (didn't matter, I pay the entire balance each month). I declined the offers and closed the accounts because I now have prime cards w/ no annual fees.
In short, they are not liberal with increases.
I have two Orchard accounts. The first one was opened in '94. The second in 11/98. Last year, I started to get increases on both every three months. Before that it was every six months.
The '94 account now is at $5K. I don't think Orchard goes any higher than that but I'll wait another two months to find out. The '98 account started at $300 and now is $1900 with another increase due in two weeks. The increases have ranged from $100 to $500 each time.
Orchard has waived annual fees on both cards every year. The current APR is 16.4 which should drop .5 because of the December fed cut.