I took your advice and went to www.orchardapply.com and put in my acceptance code and my zip code, in like 4 seconds it said "CONGRATULATIONS, your new card will arrive in 10 business days". I sent a PF to Capital One last night and haven't heard anything yet. I've had both (unsecured) cards for 1 over a yr and 2 right at the 1 yr mark and have never received a line increase. I wonder how long they take to respond? I got their automated email and that's all. Do they sometimes just do it without talking to you? I did mention the fact that they don't report limits etc and it was messing with my credit utilization and then brought up the fact that every time I call they say call back in 30 days. Thanks again Roni
Congratulations on ORchard. I remember THAT online approval. Orchard was my first. Capital One is a pain. I have waited 6 weeks for my Gold card to come. Ugh! roni
dang..........talk about lag in the postal service...lol. Well thanks you have been very helpful. I was getting some discouraging posts from others. With my new target and Orchard Bank, I'm done for awhile.
Marie I don't know on Orchard, just got approved about an hr ago online. Target CL is only $200, it was an in store approval and they said they would mail me the info. Actually they did give me a piece of paper with temp account etc, would it be on that? FICO is 593
Thx Roni Sounds like they have the same baby credit lines and probably poor terms like my Household started at a year ago. 79 annual fee, 19.8 apr... and begging for 100 - 300 credit line increases (some of which you get to pay $5 for). Are those similar to Orchard's terms??? Household, by the way, is getting a new computer system in Oct or so. supposedly will give them many more options for us. We'll see I guess
Re: Thx Roni yes. Orchard is the most subprime of the Household products as I understand it. That is why I got it at 593. roni