Has anyone ever asked for a CLI with Orchard after your account went unsecured? I'm wondering if I'd get a hard inq on my CR...thanks!! I know - I know - I could just call and ask but I dread calling customer service on any of my cards...they are always trying to sell you that damn account secure crap!
I got a $300 unsecured Orchard card 3 months after CH7 BK. 1 year later....it is $700 unsecured. I never asked for an increase...they just come.
Same here - In 2000 I started with a $400 secured card, then about every 4/5 months it would increase $200 without me even asking. My last increase was back in November of 04 and I haven't seen one since. Just last month I found out it was unsecured and I just got my new card. Instead of it expiring every year, this new one doesn't expire for 3 years. I guess I'm going to call for an increase. Thanks!
Here's an FYI on getting a CLI from Orchard. You have a 50/50 chance of getting a hard pull if you request the CLI. Also, when you request a CLI and you get it, they want to charge you $20. They base automatic increases on how much you use the card and your account history. Auto increases now make sense to me. I wasn't using my card for about 7 months and my auto increases stopped. I just started using it again to get some activity and I was given an automatic CLI just yesterday. There is no end in learning how to manipulate credit to your advantage!
