Today, I spoke to a ORCHARD rep and a supervisor. They were very pleasant and I have now been deleted from their list of potential customers at my request. Therefore, no more offers. Then I contacted a GM card rep and tried to negotiate a higher limit on my GM card. No luck. During both conversations it was emphasized that Houehold Financial Services has 2 separate marketing dept.s: 1. ORCHARD. - I am now out of their database. 2. Household - They market the GM card, Householdcards (including gold) and Union cards. Anyway, I am satisfied with the conversation(s).