Credit Tips: Raising Orchard Credit Card Limits

Posted On: November 1, 2005

Author: Oliver
Posted: Sun May 09, 2004 11:13 pm
Post subject: Raising Orchard Credit Card Limits

I was reading the reviews on this site for the Orchard Bank Mastercard Classic. Here’s a quick link to view the reviews:

http://www.cardoffers.com/reviews/cardholders/posted/card.asp?idmin=43

There seems to be some confusion about how to get one’s limit automatically increased by Orchard/Household.

Would one increase his limits the same way as someone with good credit would, or is there a special trick with Orchard Bank? I guess I’m asking if anyone here has this card, and if you managed to get auto increases from this company, how did you use the card to get the auto increase?

Did you charge close to the limit and pay if off every month? Did you charge a lot, but not pay your balance completely so they could make some interest off you (and thus think that it might be good to raise you limit so you can possibly generate more interest income for them?)

I should note that I do have terrible credit: that’s why I have this card. My bankruptcy was discharged about a year ago. I have two secured cards, but I’d like to get this card at a decent limit so I can eventually close the other two accounts. Any advice is appreciated.

Author: NightStar
Posted: Mon May 10, 2004 10:17 pm
Post subject: Raising Orchard Credit Card Limits

Well I checked around on your question, another person had this card 3 years, obtained a $100 increase but ended up having to pay them for the increase.

Sorry about that…

Author: NightStar
Posted: Mon May 10, 2004 10:24 pm
Post subject: Raising Orchard Credit Card Limits

Quote:
what i do is that if my monthly payment is 15.00 i send them 50.00 that should give u more increases thats how i get mine with out paying

Here is what another person suggested - said they were able to get increases without having to pay for them.

Author: Guest
Posted: Tue May 11, 2004 5:32 pm
Post subject: Raising Orchard Credit Card Limits

I had an Orchard card several years ago. I started with a $300 limit and just used the card for regular everyday stuff. I paid more than the minimum and after six months the limit was raised to $450. Then after another six months the limit was raised to $600. I never went over the limit, never late and didn’t use the card for advances.