Well some good news to help me feel better. Orchard just approved me for another credit increase. $200 on my regular MC($900 limit) and a $250 automated increase($500 limit) on my gold. I've heard complaints on the board about them being stingy but I've gotten regular increases from them from day one without asking. The $200 increase is my first request for one and it came right after an increase less than 1 1/2 months ago. I called to upgrade to their plus and ended up with an increase. I can live with that. Jill
I got an increase w/ them as well after being w/ them for over a year. Up to $850. Guess I'm not worth the extra $50 bucks for an even $900 limit. I openned Aria Persona at about the same time. Received an increase of $500 ($500 limit) at the expense of $35. I never responded and was awarded $100 increase. This card gets shredded in June when the $89 annual fee comes due in July. Reasons why I'm sticking w/ Orchard over Aria: -less annual fee -regular automated increases -cash advance up to the limit, whereas I'm allowed only $100 in cash advance per day w/ Aria.