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Orchard Bank APR

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Question for everyone with an Orchard Bank card ... my APR is 15.90%

I asked for a lower rate and they told me I was the lowest they could go, also asked about the annual fee and they won't waive it; I think I've only gotten it waived once and I've been a member since 1998.

I just paid balance off, so I think I'll have more leverage this time around, or I'll just cancel them before my annual fee anniversary date.

Curious to find out with everyone else's terms are ... please post replys, maybe we can get leverage off one another by knowing this info.

I'll start -

Member Since: 1998

CL: $1650

APR: 15.90

Annual Fee: $35

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