I just got my unsecured Silver Orchard Bank Credit card monday for a $300.00 limit. This my first credit card I am 24 years old. I want to know if anyone has used this card before if so how was ur experience with the company?
2006-06-08 09:38:05 · 6 answers · asked by Anonymous in Business & Finance ➔ Credit
My fiance has an Orchard Card. She is using it to build her credit.
Just pay it on time and pay off the balance each month, soon you will receive better offers. It has been less than a year and she is receiving offers from Washington Mutual and other major banks.
HBCS Card Services is relatively easy to deal with. Just use it as a tool to get to the next level.
2006-06-09 00:12:43 · answer #1 · answered by David H 3 · 2⤊ 1⤋
I applied when they gave my a free offer. Then when i checked the mail a week later they wanted $79 and i only had a $150 limit. Then on top of that they wanted to charge more fees. I would stay away and throw the offer away!!!!
2006-06-08 16:46:38 · answer #2 · answered by baseballjedi 3 · 0⤊ 0⤋
I used to have one. It started out with a decent interest rate, and in about a year it was at 24%. Never over the limit, never a late payment.
2006-06-08 20:01:05 · answer #3 · answered by Sharingan 6 · 0⤊ 0⤋
there ok for a first card , high interest rates and high late fees, so pay stuff fast and never be late.I have one for emergencies. Also at there website you can pay online for free.
2006-06-08 16:46:00 · answer #4 · answered by Bruce 2 · 1⤊ 0⤋
They SUCK!!! If you use it, pay it off right away... Otherwise they will "rape" you without you knowing it...
2006-06-08 16:46:44 · answer #5 · answered by elmo0753 2 · 1⤊ 2⤋
i have one...so far so good.
2006-06-08 16:49:36 · answer #6 · answered by MsNic 4 · 1⤊ 0⤋