Jump to content

Orchard Bank - Pre-Approved......Sorta

Recommended Posts

I got this nifty little card from Orchard Bank in the mail saying I was "pre-approved".

I went to the website filled out the info and everything. It didn't say I was denied but it said I would hear from them in 10-14 days.

Then my wife applied. Through the process it said she would most likely approved

for the unsecured "silver" card but a $49 fee needed to be paid in advanced and

would be refunded if not approved. So we paid it electronically. Then it too said she would hear from them in 10-14 days.

Is this normal? Could we still get the cards?


Link to comment
Share on other sites

Okay. I called customer service, and a bell went off while I was on hold.

I already have the Household Bank card and they are like one in the same.

Sure enough, they said because I have one, I can't have the other.

Now I have a question. Here's a list of creditors I filed on in my BK:


-Capiltol One

-Sears (which I think is Citi Bank)


-Retailers National Bank (Target, Mervyns, etc)

-Mobil Oil


-Shell Oil(which is also Citi Bank)

-AT&T Universal Platinum card

-Washing Mutual Overdraft protection

1st quesiton: Do any of these have a "second chance" program?

2nd question: Who's left to try and get new credit from ? :)

I had an MBNA account that I paid in full. I haven't had anything from GECC.

Never a Bank of America or Wells Fargo anything other than a checking account.

Any help is appreciated.

Link to comment
Share on other sites

This topic is now closed to further replies.

  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.