okay. $59 yearly fee usually. 18.9% interest. If your credit sucks, you can expect to get the $300 line pretty much. You can use retention to up this to $500. Not terribly, bad, online payment/access.. I would get a paypal/providian/aria card, a cap 1 card, then a orchard bank card. I just closed my orchard. $500 limit. Also Got an approval for $1000 householdcard (same bank, different card) a few months later. Closed that one too.
Ditto as well..... I got a pre-approved offer in the mail today from them. Probably the same one as you (little white envelope w/ red trim, stamp art on the letter). I don't need this card therefore I'll pass. But the bottom line is that when you are in a credit situation, you have to do what you gotta do. If Orchard is your only option, then.....
Hi Gemini, They do work to build or re-build your credit. Every 6 months they will up your limit $200-$400 without you asking. They report to all 3 bureaus every month and report your limit unlike Crapital One. You can also pay online. I would say that as far as subprime goes they are good. M
Just out of bankruptcy, I grabbed it when I could. Should be getting mine any day now. I was just happy to get ANYTHING!! Good luck.
Also got the pre-approved letter, went to www.orchardapply.com, entered acceptance code and basic info. Accepted, (needed something besides Cap 1). The card will arrive in 2 weeks, $39 annual fee, 18.9% APR and at least a $300 credit line. Best way to bump up the credit line? Besides retention would planet feedback help.
