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Discussion in 'Credit Talk' started by mimi, Mar 29, 2001.
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Re: Paying for limit increases
What bank is this???????
Re: Paying for limit increases
SECURED CARDS SOMETIMES CHARGE FOR INCREASES...but you can wait fot a free increase.
Unsecured cards don't charge for increases, but an INQUIRY costs you dearly sometimes...
When you call, ask for an "ALREADY APPROVED" increase or DEMAND a "SOFT INQUIRY".
Thanks for the info. I'll just wait until they increase it. Actually, I might pay it off and possibly close the account.
PAY IT OFF...DON'T USE IT...wait 1 or 2 months...if you don't have an automatic increase, then call to close it, they will try to keep you. You may get an interest rate percentage decrease and a credit line
increase in the same call, or they will say "FINE YOUR ACCOUNT IS NOW CLOSED" BYE!!!
That sounds like robbery - pay $50 for a $200 limit increase? Is this Orchard (smart read the header)?
After paying great with AMEX and V/MC, these idiots sent me a preapproved visa for minimum $300 limit - up to .... I think it was $1000. Also, everyone that has gotten the Orchard Card got a crappy limit.
Orchard used to be a great subprime bank - on par with Cap 1 or FCNB. Household Bank bought them and really screw the Orchard applicants now.
Dump it ASAP!!!
c ya dogman
Well, I wish I could but fact of the matter is I can't right now. I don't have sparkling credit like everyone else here. I wish I could qualify for a AMEX card. I wouldn't mind just a $50 credit limit with AMEX LOL. As long as I had one, I could then prove myself. But.....reality of it I can't so....I'm stuck! (
Mimi - my credit is lousy from a Chap 13 in 1996.
I squeaked by and was approved for Green Card.
I did not express it well, but my point is that new ads are going out today - just read orchard search - and they are only giving $300 to anyone - no matter how much they make.
Keep that card - it'll lead to AMEX. 2 yrs w/ Cap One / Providian / FCNB / got me the AMEX.
cya mimi - dog
I received their credit card offers from Orchard Bank a couple of years ago . I remember they do charge credit limit increase fee in their card agreement. By the way, I don't have Orchard Bank fortunately.Some banks do charge limit increase fee in subprime card program.