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Does Household/Orchard do HARD inq for CLI?


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Funny you ask- I just spoke with them yesterday. I opened my account in February with Orchard Bank with a $300 unsecured. I called to increase my limit to at least $500. She told me they would be glad to review my account but to increase my limit I would risk a hard inquiry. I told them thanks but no thanks.

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I called them last month to ask for a CLI, they said they normally review your account in 6 months (mine would have been up in April) and they would give it to you upon review (if deemed deserving, on time pymts, etc.). However, if you ask for it, they will have to charge you $25 (I think) and an inquiry (not sure if hard or soft). So I declined. Up until now I still have not gotten the CLI yet and my sixth month was up last April. :evil:

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