I got an Orchard Band Credit Card to rebuild my credit. Orchard does give people a second chance. The problem is this: my payment was due on the 16th of the month (today), I paid through the Orchard Bank website online through my checking account early on the 7th, the payment money was taken by Orchard almost immediately. It took a few days for it to be posted that I paid but my credit limit was not restored and I noticed that a hold was put on my payment. I contacted customer service via email; they responded quickly, thoroughly and politely, they were great but the policy they follow is not. Even though the money is electronically taken out of your checking account almost immediately by Orchard Bank customer service says that they are only notified by the bank if there are insufficient funds and that takes up to 14 business days; which is one day short of three weeks! Therefore your hard earned money is taken and they have no way of knowing that yes it cleared unless the bank tells them in 14 business days that it didn't. All this means is that you have to pay once a month but you go three weeks without credit, a very part time card. I am going on vacation, I will use it then, pay it off in full, as I did this time, and then I will shred my orchard bank card and recommend to others that it isn't worth the bother or the $79 service fee. If they would just credit my account when I make a payment, logically very simple, then I would use their card indefinitely. Thank you for reading this.

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.

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.

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.

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...

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.

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'!

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.

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.

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.

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.

Since the cc company is now managed by HSBC mine was issued through Household, but HSBC now holds my account. They have been good so far.

I had no problem contacting Old Orchard Bank and setting up my secured card account. I figured that I would be rejecting after filing bankruptcy, but I was wrong. The card and the customer service have been great as well. I make all my payments on time and stay hassle free. The fees are a bit high, but I am sure that will change as my credit gets better and I can just get a standard HouseHold Bank credit card again. Thanks for helping me to start over!

I applied for this card in February to repair my credit and I've been very pleased with the result. I make payment every month, make sure I don't spend more than 50% of my $200 credit limit and my credit score has sky rocketed from 494 to 641 in 6 months. It wasn't just the fact that I had an orchard bank card but i also have a 0 balance on all those companies I was owing and I ignoring for 2 years. I am very happy with the way things are going with my credit. Thanks to orchard bank.

Incredible service best of the best

This card has helped my credit in 3 months I have gone from a fico score of 580 to a score of 675. This card is great.

No toll free number. And they try to make money off the uneducated consumer. Pay for limit increases (amount varies, but they may offer $25 for a $100 credit limit increase). They upsell some product, like a car loan, every time you call them. And sometimes they call you at home with an offer. Trying to sell you credit monitoring, insurance, or a car loan. Fleet secured is a card with no annual fee, how about that for a secured card! But Fleet is merging with Bank of America, and BoA is not bankruptcy friendly...so if you want a Fleet card, get one quickly.

I have had this credit card for years now and I have enjoyed every minute of it. I have received pre-approvals from other divisions of Household and it has helped my credit also. I also had a hard time while in the process of a divorce- my payment was returned to Household (no fault of theirs) and they were very understanding still considered my payments on-time even though technically they were not. Word of warning though - make payments on-time if you have to wait til day b4 payment is due to make payment there is a Moneygram service or check by phone features you should use- if payment hasn't posted by statement processing will get assessed late charges easily. As well as stay within your limit - if you are $0.15 cents over your limit - you WILL be charged. it happened once and never happened again. But Customer service is great and never rude-I get credit limit increases on a regular basis and also received my deposit back b4 my 1 year anniversary due to payment history

This card will ensure you don't go over your limit or make late payments. The way their system is set up is that they will charge you over the limit fees AFTER your statement is sent out. I received a bill around 9/15, with a due date of 10/7, but a OTL fee was attached on 9/22. After calling the NOT toll-free "customer service" line, I was basically called a liar. Any who, I'll stick with this card because I've had it a few years with no major problems, and it's not as bad as first premier (counting down the days until THAT one's paid off and closed). Actually, their customer service dept is an incentive--I'll always make sure not to accidently go over my limit ... it's not worth it.

I have closed my account. I had a check by phone bounce (not Orchard Banks fault). When I called about it I was given an amount to pay and a date to pay it by to avoid additional fees. BEFORE that date was reached I received an email that my account was now over the limit and was charged an additional $29. One thing led to another and I quickly had $109 in fees. This was AFTER they had taken away $59 in fees. I find it ridiculous to have to pay fees because of mis-information. They only took away $59 when I stated I was not going to pay and they could report whatever they wanted on my credit as I had a new car and a new house and wasn't overly concerned about a negative impact on my credit score. I now have a Visa with a local credit union and couldn't be happier. I would suggest anyone with credit problems that can join a credit union to do so. Just make regular deposits to a savings account (even just $20) for 6 months and most will give you a credit card.

This is a very good card that helps people establish credit or rebuild thier credit. I have had no problems with the customer service. I always pay my bill off in full via their on-line payment center. I think this is one of the few cards that gives you an oppurtunity to use the card without being overwhelmed with fees. Overall a good card.

I went through a hard time where my husband and I were in business for ourselves which didn't work and my credit suffered. Orchard Bank is the only bank that has given me a chance without a security deposit. Most cards with my kind of credit want $295 worth of fees with a $300 credit line. They gave me $1000 credit line. They have also given me small increases every six months. It is not the best situation but it is not the worst either.

This is the worst Credit Card in the world I have two Orchard Bank Matercard it's a secured credit card with a annual fee of $89.00 and a processing fee of $35.00. My credit limited was $300.00 when I got my card actived my credit limited was $196.00. They charged the annual fee and processing on the credit card which I preferce to pay myself. Please don't apply for this card when tey send you the application throw it away save yourself from hidden interest and charges. Thank God I pay them off.