To: LKH, Eddie, MOM, GEORGE, anyone

Discussion in 'Credit Talk' started by Jim, Jun 2, 2001.

  1. Jim

    Jim Well-Known Member

    Hey LKH and Eddie,

    Recently both of you posted about receiving a "Pre-Approved" invitation (or should I say insult?) for an ORCHARD mc.

    Today, I opened the mail and there was my invitation to the ORCHARD party. I guess they didn't want me to feel left out since I never responded to their earlier offer this spring.

    By this time, you both will have guessed that it was a $59 annual fee, two cycle billing, up to $1500 limit card. Yippeee!!!! What a deal.

    In my opinion, the jerks at ORCHARD wait until we go prime and then offer us their subprime card.

    The only question is whether I will use the offer to light the barbeque tonight or call ORCHARD on Monday and play mind games with a supervisor since I already have a GM card.

    Better yet, I will ask to borrow MOM's bunny. LOL
  2. DaveLV

    DaveLV Well-Known Member

    I don't know, Jim. I got my Orchard offer when I was clearly subprime. Also, I noticed that when I got the offer for the Associates Shell card last month that the promotional inquiry that led to the offer was made in January.

    Next time you have occasion to, you might check your reports to see when the inquiry was made. Maybe it was made before your last round of deletions?
  3. Jim

    Jim Well-Known Member


    I should have clarified something here. ORCHARD was nowhere to be seen when I could have used them a couple of years ago. My prior offer this year was the same terms described here except an $89 annual fee. ORCHARD continues to check my credit regularly.

    My sarcasm is in no way aimed at the holder of a ORCHARD card. It is only aimed at Orchard's marketing dept. If I was to remit the $59 with the application, I might get a $1500 limit. Knowing ORCHARD, I might only get a $300 limit. Either way, Orchard's timing is totally wrong. I have $25,000 in open revolving credit at this time and I pay no annual fees.
  4. DaveLV

    DaveLV Well-Known Member

    Well, I always try to eliminate the sinister explanation for things first. I don't know that we have the right number of valid observations to say that there is some sort of plan here, although there could be.

    Remember that we here on this board don't really fit the same scoring model as the rest of the population because we're actively trying to manipulate our scores. You clearly don't need their card (which is great!) but I'd rather believe that they really don't know that instead of believing they want to take one last stab at holding you back.
  5. Jim

    Jim Well-Known Member

    Actually, Dave you have brought up a very relevant point; ie., we really don't know what algorithm ORCHARD uses to select customers.

    Therefore, I am going to telephone them on Monday and probe into the ORCHARD psyche. Since, I am already in the "Household Bank" (GM card) family, maybe something interesting will be revealed.

    As a side issue, I probably would have applied for the card 2 & 1/2 years ago. Cap One was there but not ORCHARD.
  6. DaveLV

    DaveLV Well-Known Member

    I'd be interested to hear what they tell you.
  7. Donna

    Donna Well-Known Member

    hehehehehe Guess I'm the "Anyone." But that was an interesting post, Jim.

    Occasionally, I get a solicitation from Orchard but not too often and, excludeing my two CapOne cards, I've pretty much gone prime. (I have Chase, Citi and Household.) We're probably on a promo list and therefore are targeted occasionally.

    I just thank my lucky stars now that I'm finally in a position to say an emphatic: NO! I will not accept another card if it comes with an annual fee.

    Please do call Orchard on Monday, though. I would love to hear what they have to say. As an appeasement for the insult, maybe you'll be offered an increase. You have one of the Household gold cards, don't you? Anyway, let us know how the conversation goes.

  8. Jim

    Jim Well-Known Member

    Hi Donna!

    Thanks for the laughs. I actually have the GM card issued by Household Bank. 2.9% apr. for 6 months. 5% rebate toward the purchase of an automobile up to $3,000, etc. It is a pretty good card. As a matter of fact, I wasn't sure I would get it because rewards cards are somewhat more difficult to get.

    I don't have a Household gold card however Roni got one unsolicited when she got her GM card.

    Say, speaking of Roni, I wonder where she is? I haven't seen her around for a while.
  9. DaveLV

    DaveLV Well-Known Member

    She mentioned she was going to bail last week. Looks like she did.
  10. NanaC

    NanaC Well-Known Member

    Donna: You beat me to the punch...I was gonna say Anyone=NanaC? I'm sure you meant "THE ONE." LOL


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