Orchard Bank Credit Card Offer
Author: smithr
Title: Orchard Bank Credit Card Offer
Posted: Fri Nov 19, 2004 2:12 pm
When you apply online, do you get instant approval or do you have to wait for the notification by mail?
Author: keb1209
Title: Orchard Bank Credit Card Offer
Posted: Fri Nov 19, 2004 7:32 pm
I received an offer for their Silver Mastercard last week and applied over the phone today. I was approved immediately on the phone however, the person taking your application doesn't know the credit limit or any of the card's terms. You find out once you receive the card which is in 7 to 10 business days. I'll post again once I receive the card.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Ira
Title: Orchard Bank Credit Card Offer
Posted: Sat Nov 20, 2004 10:05 am
There is no single answer to this question. It depends on your credit score and the issuer's criteria. Sometimes you will get instant approval, especially if you are applying for a merchant-specific card. Example: when I bought my HDTV at Circuit City, I got approved for their Circuit City Master Card in about 30 seconds. IF you're applying for a general use card it might mean that further review is required. If you do not get instant approval it does not mean that you will be turned down
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: keb1209
Title: Orchard Bank Credit Card Offer
Posted: Fri Dec 03, 2004 8:11 pm
My Orchard Bank Silver Mastercard came in the mail yesterday, and as I stated before... the rep who takes your application knows immediately whether or not you're approved. You won't know the credit limit however until you receive the card in the mail.
Did you get an offer in the mail from them? Mine offered 3.9% fixed on purchases until October 31st 2005, and 14.9% variable thereafter which is an almost unmatchable deal for a subprime card. The card arrived without a card agreement, so I called customer service and they told me that the agreement I actually received with the invitation is the one currently in effect for my account... confirming that I did have the 3.9% intro rate.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Title: Orchard Bank Credit Card Offer
Posted: Fri Nov 19, 2004 2:12 pm
When you apply online, do you get instant approval or do you have to wait for the notification by mail?
Author: keb1209
Title: Orchard Bank Credit Card Offer
Posted: Fri Nov 19, 2004 7:32 pm
I received an offer for their Silver Mastercard last week and applied over the phone today. I was approved immediately on the phone however, the person taking your application doesn't know the credit limit or any of the card's terms. You find out once you receive the card which is in 7 to 10 business days. I'll post again once I receive the card.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Ira
Title: Orchard Bank Credit Card Offer
Posted: Sat Nov 20, 2004 10:05 am
There is no single answer to this question. It depends on your credit score and the issuer's criteria. Sometimes you will get instant approval, especially if you are applying for a merchant-specific card. Example: when I bought my HDTV at Circuit City, I got approved for their Circuit City Master Card in about 30 seconds. IF you're applying for a general use card it might mean that further review is required. If you do not get instant approval it does not mean that you will be turned down
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: keb1209
Title: Orchard Bank Credit Card Offer
Posted: Fri Dec 03, 2004 8:11 pm
My Orchard Bank Silver Mastercard came in the mail yesterday, and as I stated before... the rep who takes your application knows immediately whether or not you're approved. You won't know the credit limit however until you receive the card in the mail.
Did you get an offer in the mail from them? Mine offered 3.9% fixed on purchases until October 31st 2005, and 14.9% variable thereafter which is an almost unmatchable deal for a subprime card. The card arrived without a card agreement, so I called customer service and they told me that the agreement I actually received with the invitation is the one currently in effect for my account... confirming that I did have the 3.9% intro rate.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 6:17 PM
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