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About shortyroc

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    Mickey town, USA
  1. I had an issue with Orchard as well. I had their card for 4 years and the CL was $500. I originally started with $200 and requested increases twice @ a $10 charge. Finally I called to cancel and they gave me a $100 increase (to make it $500). Over the last 2 years I have waited to see what they would do and nada. No CLI. I called to cancel and they didnt do anything either. I cancelled it last week and the only offer they made was to change the card type. I would still be stuck with their annual fee for a crappy card. All my other cards are $5k CLI or higher. Bye Bye Orchard!
  2. I had the same thing happen to me too I thought it was quite odd. I have their SpiritAir card. $5k limit.
  3. I'm looking for a CC that offers airline points or similar program that is BK friendly. Am I SOL on this one? BK in 2004.
  4. They (Orchard) only charge you if you call in and request it. The automatics are not charged.
  5. There's hope. Just dont get distracted. I'm afraid to use cc's now, but I have to for some things.
  6. Orchard bank charged me $10 for a CLI. They've done it twice. and $10 only gave me $100 ea. time.
  7. I just got my refi done with countrywide. They pulled all 3 and used the median. My BK was 2 years ago and I got a prime rate with them. w00t!
  8. Amex is one of those companies that have a blacklist. If I were you I would hold off. But that is IMO.
  9. I got mine online and at the time my scores were in the low 600's. I applied for the Visa but checked the box that said 'consider me for Guest if I'm not approved.' Anyways, they gave me a 200 CL. That was a year ago and I'm now at $500
  10. I originally had an AmeriCredit Car loan with those scores. I refi's and went with HSBCAuto, so I think you have a chance. The rate with AmeriCredit was 16% tho' (it sucked), but I had just filed BK a few months earlier.
  11. I tried doing a search but didn't find an answer to my question. SO forgive me if I reposted. I have a median score of about 661 (EX). I filed BK Dec. of '03, discharged Mar of '04. I need to do some home repairs and was wondering if I have a chance in he!! of getting a HELOC. I tried refinancing but I already have a good rate so I would actually loose money if I refinanced. I have over 100K of equity in my home and would like to use 30K for home improvement. Thoughts anyone?
  12. The only thing I could think of is if the property you are filing for is NOT your primary residence.
  13. B of A has one, but I'm not sure if she would be able to get it. There is always Orchard.