Do these guys own everything? It seems that most of the credit options out there have this bank as the lender. My Orchard card and now my most recent Lowes Card ($1000 CL)....thank you. I thought they wouldn't give you more than one card like you can't have two HH cards. So I was suprised that within the same two week period, they raised my Orchard Limit to $900 AND sent me a pre-approved Lowes card, which I now have in my wallet. I also have a Dillards card which my be this bank.