Just received my second offer from Orchard Bank for a MC. The terms have changed between the first offer and the second one. I don't think my FICO has gotten any better, so looks like Orchard Bank is making a "counter-offer" based on my silence. Specs. First offer: received 4/18/01- Exp. 6/01/01 APR- 19.4 (v) Grace- 25 days Billing- Two Cycle Average Annual- $79.00 Processing Fee- $19.00 CL- up to $1000 Second offer: received 5/31/01- Exp. 7/13/01 APR- 18.9% (v) Grace- 25 days Billing- Two Cycle Average Annual- $59.00 Processing Fee- (no mentioned of one) CL- up to $1500 Can't wait to see what July's offer is going to be. For the record I am not applying for this as well. Best regards, Sam
