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Discussion in 'Credit Talk' started by mother2, Mar 14, 2001.
What is up with these people? It does make me wonder about how good or bad my credit is??
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Household Bank, which owns Orchard has a policy of allowing customers to carry up to 4 cards. In the near future Household will be implementing a poicy of rolling over good Orchard customers into Household branded cards with a higher credit line and lower APR. This i'm told will be sometime within the next 90 daysin the next 90 days.
So should I close the acct or
wait until the rollover. $500 credit limit seems a little small to me. With the gas prices these days, I can max out my limit within a month.
Just like Capital One, they are offering you an extra account so they can collect an extra annual fee. That's all they care about. They have no intention of offering you a significant amount of credit.
You have fairly good credit if you get repeat offers from Orchard Bank, but they just see people with fairly good credit as a ready market for their puny subprime cards. Don't expect anything good from their "credit-tease" offers.
Re: Orchard Bank
You are absolutely correct - you Rich Guy !
Re: Orchard Bank
Rich guy, I agree with you and Capital One let you have as may as you like. He collect annual fees from every account that you have. Back in a few days, they approved me their Visa card with $200 and a 39 annual fees. That's how Capital One make a profit from charging annual fees and finance charge. I had that account for a year and closed it because I couldn't use it for anything else. Treat me like college student.