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Commentaries |
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Credit Card Commentaries |
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Orchard Bank MasterCard® Secured
Issued by Household Bank |
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| Total Posts: 22 |
Average Rating:
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Category: Secured |
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Showing 1 - 10 of a total of 22 Commentaries |
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1-10 | 11-20 | 21-22 |
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| "Combined with their partner, CreditKeeper, an excellent service." |
| Orchard Bank does what they promise, they immediately and consistently report your good payments to all three credit bureaus. They do not rush to increase your credit limit above your deposit amount, but if you go in knowing, it's not that big of a deal. You can make deposits into your secured account at any time to increase your limit yourself. Just think of it as a good savings you cannot touch, one day you will get it back, and you do earn interest on the money. I took advantage of their offer to enroll in CreditKeeper, a monitoring service that gives you 24/7 online access to your credit report, a 3 bureau comparison, credit scores, alerts when something changes, and dispute help. For $9.95 a month it's been a dream for me to clean up my credit and see my progress monthly. Lastly, keep in mind, no credit clean up or improvement is instantaneous. It's hard work over at least a year, maybe more. For me, it's going to make it possible for me to qualify for a home mortgage next year. Now that's worth celebrating. |
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| Most attractive feature: Orchard Bank offers an easy way of rebuilding your credit. |
| Least attractive feature: Consider your deposit savings a long-term, not-gonna-see-it-for-years, investment. |
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| Posted by: Larissa |
| Date: 1/24/2007 |
Recommend?  |
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This person does recommend this card.
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| "Orchard bank credit card helps damaged credit" |
I got a secured account with a credit limit of $200.00 by making a $200.00 deposit the first of 2005.
Ive always paid my payments on time,and in some instances several payments in a single billing cycle.
Prior to that I couldnt get a department store card at all.
In the last 3 months,ive obtained 3 department store credit cards in the amounts of $500.00,$300.00,$500.00,a home depot card for $750.00,and was approved for $1000.00 unsecured,no annual fee visa card from another credit card issuer.
The only squabble I have is that Orchard hasnt moved my account to unsecured status,and they have never increased my credit limit.
There lack of insight,now will more than likely result in me doing a balance transfer from my orchard to the new account,closing the orchard account out,getting my deposit money and paying off the new balance.
I feel that after having an account for 20 months of on time payments,they should have had some insight into increasing the credit limit at least once.
they did help my credit report,and they do report monthly.
Id highly recommend this card to everyone,though I think a secured account should be made unsecured after a year of paying promptly on time.
I did go over the limit once due to the annual fee being charged to the account and I wasnt notified on the previouse months bill that the annual fee was becomming due on the next bill,I politly requested that they remove the over the limit fee,because I should have been notified in the previouse bill that a charge was going to be posted to my account,they obliged with no problems at all,and I was very thankful for that. |
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| Most attractive feature: online bill pay |
| Least attractive feature: dont offer credit increases consistantly within all in that group |
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| Posted by: fred |
| Date: 11/18/2006 |
| Recommend? |
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This person does recommend this card.
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| "Just to let you know what your getting into" |
| If your looking for information about the orchard bank card, I would apply for it you don't have to have a really good credit score. Most easiest card to get, if you work customer service right you can usually get what you want, but most people tend not to do that and that's why you might get bad service apparently customer service took care of the guy with the 99.99 charge on his account. so I mean that can't be that bad huh? usually if I have a problem such as a overlimit charge or something they want you to pay your bill and then dispute it. I would definately go for this card, and I've refered several friends to get this credit card as well. They love it. The card usually comes with Household Printed on the card, not Orchard Bank. |
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| Most attractive feature: Easy Approval |
| Least attractive feature: Annual Fee |
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| Posted by: Wes |
| Date: 10/29/2006 |
| Recommend? |
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This person does recommend this card.
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| "idenity theft" |
| my card was used TWICE at the same merchant. orchard band did not notify the merchant, nor flg my account. the person using my card actually has one in their possession, odd since i have my card with me. its deeplyu frustrating dealing with coustomer service as they can only read their script and not really be helpful... |
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| Most attractive feature: none |
| Least attractive feature: everything |
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| Posted by: brian |
| Date: 8/24/2006 |
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This person does not recommend this card.
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| "Offers nothing. Impossible to reach anyone. They question purcases!" |
Recieved a check in the mail from Orchard Bank for $5.00. Thought it was a
thank you for paying on this account.. fine print on other side once endorsed
you are charged $99 for membership of some obscure service with difficult
regs on cancellation. Had to battle getting a refund.. left a real bad taste.
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| Most attractive feature: N/A |
| Least attractive feature: Used on family vacation, was questioned by Card Security to use at store. |
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| Posted by: Wiser |
| Date: 5/19/2006 |
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This person does not recommend this card.
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| "I'd choose this card for anyone" |
| I have had only good experiences with this orchard credit card in the 6 years I have had it, they are even better then capital one credit card, for which I canceled and kept my trustee Orchard Bank card. Now if I could just get a better color or picture on this card then things would be perfect but hey I guess we can't get everything but all in all Orchard Bank card 'Rocks'! |
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| Most attractive feature: Online, it is so easy to make a payment and its free. |
| Least attractive feature: Color of the credit Card is ugly |
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| Posted by: Janice |
| Date: 4/18/2006 |
| Recommend? |
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This person does recommend this card.
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| "fed up " |
9 months i had this card was happy with it as long as i didnt have to deal with customer service. very very poorly train cs reps
piss poor phone manners, and ull be lucky to get a person you can understand on the phone. and if you choose this card NEVER use the rush payment service you will never see your money again. OPT
out of any solicitation offers immediately and forcefully, or they will bug you to insanity. I just closed account ill tell you how long it takes to get my 3400.00 savings account back.
If cs is important to you find someone else otherwise card was very good. |
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| Most attractive feature: credit reporting |
| Least attractive feature: customerservice, fees, bank |
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| Posted by: aidan |
| Date: 3/7/2006 |
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This person does not recommend this card.
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| "Orchard Bank Secured-- a good long-term relationship." |
Orchard Bank's secured card is a good way to rebuild your credit. It's the type of card you way to pay in full each month to avoid interest. When you apply, you can enter your checking account information online. They'll hold the deposit for at least 2 weeks and, if you are approved, your card will be sent out 1-3 weeks after that. Don't hold your breath waiting for the card itself. They did report to Equifax even before I had the card.
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| Most attractive feature: Good credit rebuilder with low fees |
| Least attractive feature: Takes around a month to receive the card |
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| Posted by: FinanceReality |
| Date: 2/27/2006 |
| Recommend? |
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This person does recommend this card.
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| "Never Got One" |
| I applied for this card two years ago and they took my money fast enough, but after a few months I still hadn't received a card. I checked with my bank, and they told me that they had quite a few other customers this had happened to also. My bank refunded my money because this company was the center of quite a few open fraud cases. I don't reccomend giving them any money. |
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| Most attractive feature: None |
| Least attractive feature: None |
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| Posted by: Jennifer |
| Date: 2/18/2006 |
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This person does not recommend this card.
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| "Available Credit" |
I pay online using the "Rush Payment" service method. This is the pay by check from my checking account, which in reality is an ACH electronic withdrawl from the checking account for which there is a 12.95 charge. This saves you a late charge because they show that the payment is posted that same day.
The money was electronically debited from my checking account the very next day yet was never applied to my available credit. I called 10 days later and was told that it takes 14 days before they release the money to my account. The customer service person said that the bank received the money 10 days before but have a policy of holding onto the money for 14 full days! The instructions listed with the online "rush payment" menu simply said that the available credit might not be immediate.
When I called they acted like I was some damn criminal and that they had to wait to verify that the payment was mine.
These people are blood suckers! Don't use their card. When my credit rating increases I will drop their card like a hot potato. |
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| Most attractive feature: Helps repair credit |
| Least attractive feature: Fees Fees Fees |
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| Posted by: Jocelyn |
| Date: 11/26/2005 |
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This person does not recommend this card.
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Showing 1 - 10 of a total of 22 Commentaries
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1-10 | 11-20 | 21-22
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