tammi Posted March 3, 2005 Report Share Posted March 3, 2005 Hey guys,Just wanted to thank you guys for all of your help. I was just approved for an Unsecured Orchard Bank card. Only a $300 limit, but it saves me from having to get a secured card. I am really excited. Can't wait to get the card because I am looking forward to rebuilding my credit. I still have about 3 baddies on each report, but I have learned soooo much from this board and have had such great success. Thanks again to EVERYONE!!!! Link to comment Share on other sites More sharing options...
edubb007 Posted March 3, 2005 Report Share Posted March 3, 2005 Congrats! That's where we all started! I got my first card here that was secured with $300!So it's a start! Link to comment Share on other sites More sharing options...
miracle Posted March 3, 2005 Report Share Posted March 3, 2005 WOO hoo! Congrats! Keep up the great work. YOu are on your way !!!! Link to comment Share on other sites More sharing options...
bigdaddyroy Posted March 3, 2005 Report Share Posted March 3, 2005 Congrats and much continued success! Link to comment Share on other sites More sharing options...
debcakes Posted March 4, 2005 Report Share Posted March 4, 2005 I know how you feel. I got approved for the same thing this week and am expecting my card any day now. My first UNSECURED card. I have had Cap 1 and First Premier secured cards since September so I'm hoping in a month or 2 for at least one of those to move to unsecured status as well as get a Credit Limit increase. But, I'm happy with what I have for now....... Link to comment Share on other sites More sharing options...
JethroBo Posted March 5, 2005 Report Share Posted March 5, 2005 Well, I got approved for an Orchard Secured card. They have yet to pull anything out of my account yet.....I think they are still processing the app.So who has actually built up their credit with one of these?I just got out of debt and was VERY weary of getting another credit card (nightmares of old cards past)....But This IS secured so...So I should use at least 40% of available and pay it off every month correct? Link to comment Share on other sites More sharing options...
jlouki01 Posted March 8, 2005 Report Share Posted March 8, 2005 I have. Once I had an Orchard I have been able to refi my house and get a conforming rate of 5.75 the other day. having that one card bumped my score a ton.. from 550-580 to 620's. Only problem is they hand out such low limits if you use the darn thing your score gets dinged a bit for being more then 50% over your total revolving balance:-)So I pay mine a couple times a month via their website. No charges for that and it is very convenient. I also got my wife one and she got a 750.00 limit. Home Depot approval Since then I have gotten a Home Depot, Patelco, and a Chevron. I would like to have one more card like a Macy, lazarus, best buy or something..J Link to comment Share on other sites More sharing options...
Tourniquet416 Posted March 8, 2005 Report Share Posted March 8, 2005 I have. Once I had an Orchard I have been able to refi my house and get a conforming rate of 5.75 the other day. having that one card bumped my score a ton.. from 550-580 to 620's. Only problem is they hand out such low limits if you use the darn thing your score gets dinged a bit for being more then 50% over your total revolving balance:-)Jhow long after you got your orchard, did you apply for other cards? did you check your score first? Link to comment Share on other sites More sharing options...
jlouki01 Posted March 9, 2005 Report Share Posted March 9, 2005 I stay all over my score. I always check each score thru each place... equifax.com experian.com and transunion.com. I buy the packages of buy 3 get one free. I check them every 30 days usually. Link to comment Share on other sites More sharing options...
dgbbld Posted March 9, 2005 Report Share Posted March 9, 2005 congrats! I also just recieved a $300 orchard visa Link to comment Share on other sites More sharing options...
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