To: Chet

Discussion in 'Credit Talk' started by Jim, Apr 10, 2001.

  1. Jim

    Jim Well-Known Member

    Just an update. I mailed the utility bills to Household Credit Services on Sunday as I was requested to do in order to complete the application for the GM card. My guess is that I will receive a response in a week or two. I will let you know what happens.

    I logged onto the HCS website and discovered that they have 4 types of cards available.

    GM card
    Household card
    Union card

    When you mentioned "platinum" the other day, I guess that we can crudely consider the GM card as platinum compared to these other cards (especially ORCHARD).

    A couple of months ago, I got one of those $1500 and $89 annual fee offers from Orchard. I threw it away because of their rotten reputation and I don't pay annual fees on any of my credit cards. If HCS sends me an Orchard card after processing my GM app.; the card is going right in the trash.

    Anyway, I will keep you posted.
  2. mother2

    mother2 Well-Known Member


    I have a Orchard Bank MC. Maybe I should pay them off and try for another type of card!?
  3. Jim

    Jim Well-Known Member

    To: mother2

    Don't jump to conclusions about your credit situation based on my comments to Chet. For some consumers an ORCHARD card is fine for rebuilding credit. Chet and I are both past that stage.

    Chet and I have chatted and posted to each other for some time. We also have similar credit backgrounds and have both applied for the GM card. This thread is not intended to suggest anyone should cancel their Orchard MC.
  4. Ann

    Ann Guest

    Excuse her

    Orchard card is fine for some who are rebuilding, but YOU ARE past that stage.

    I am sorry but that is one of thr rudest comments I have seen. Most people that have had success still offer advice and don't feel they are above others. You posted previously that you were going to leave this board b/c you have rebuilt you credit and don't need the boards. Sorry but your attitude has just got to go.
  5. Jim

    Jim Well-Known Member

    To: Ann

    I am sorry you took my post here in a negative manner. It was not intended to be negative. Being a polite guy I am even taking this moment out of my life to explain it to you even though I owe you no explanation.

    Everyone here on the board is at a different stage of credit building and/or restoration. The range could best be described as First Premier to AMEX Platinum. I doubt Mother2 took offence at anything I said. If you don't like something that is said from one member to another - just ignore it.

    Since I haven't seen you here before: I will just say welcome and enjoy the board.

    GEORGE Well-Known Member



    When a credit card company TRIED to give me a card with a credit line of $500 (at the time my lowest credit line was $5,000)...I CUT THAT CARD IN AS MANY PIECES AS I COULD...DON'T THINK I MADE IT UP TO 500!!!

    They will charge the $89.00 before you get the card so don't forget to ask for the refund!!!
  7. Chet

    Chet Well-Known Member

    Keep me posted!


    It seems most likely that you will receive a card. They would not waste their time asking for utility bills unless they planned to approve you. Just a quick question: How many open lines of credit do you have now? Your right, we both have similar credit situations, the only small difference is that my BK is 9 years old.

    Reason #1 for my denial was to many open lines of credit. I have 13 positive tradelines on Equifax - and the only negative is the BK in public records.

    And how about this: I just got Experian report - 18 positive tradelines and the only negative is the BK.

    In another year when this BK falls off I should be golden :)


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