I was approved for an Orchard Bank Gold Card.. ??

[cali girl]

OK so I go online and apply for an Orchard Bank card. It gives me two options:

The Gold card - or

The Secured Card

So I pick the Gold card.

So, they ask for $19 to hold and verify my funds before approval. I fill out the information, and it says Congratulations, you are approved!

But for how much? I don't know anything except that I"m approved. When I go online to check status, I see this message:

Your application has been approved. We are in the process of validating your funds.

Your card will be sent within 10-14 days.

So now what?

[CATCHMEIFYOUCAN]

You better make sure they are not charging all the hundred dollar fees, before you know you may be owing them BEFORE you have an real credit left to use. I heard fees are outrageous, $20 for this $100 for that (all processing fees!). Read up on it. I know I applied for Orchard one time and by the time she ran down the fees I would have owed them $200 bucks give or take a few and my credit give was only $300! Watch the fine print! Look for the processing fees!

Catchmeifyoucan

[cali girl]

You better make sure they are not charging all the hundred dollar fees, before you know you may be owing them BEFORE you have an real credit left to use. I heard fees are outrageous, $20 for this $100 for that (all processing fees!). Read up on it. I know I applied for Orchard one time and by the time she ran down the fees I would have owed them $200 bucks give or take a few and my credit give was only $300! Watch the fine print! Look for the processing fees!

Catchmeifyoucan

Right! And I was trying to read all that, and I noticed that the Gold card didn't have all the $200 fees that the secured card did... at least I hope I read it right. But I'm still wondering what my limit is and all that?? They took my bank account info and I have nothing to show for it except "you were approved". ??

[chpxiii]

Cali,

May I inquire as to your credit scores, please?

[cali girl]

Cali,

May I inquire as to your credit scores, please?

Yes, they are 532(TU), 556(Equifax) and 630(EXP).

[cali girl]

Does anyone know a phone number where I can speak to a live person at Orchard Bank? All the numbers I am seeing online are automated. It says my application is in processing and to wait 20 days. I just want to know - if they say I'm approved, how much am I approved for? Is that too much to ask? LOL

[Proud_MPWIFE]

I was approved also recently, I didnt know my limit until the card was sent. I paid the $19 fee upfront and then a $79 annual fee with a limit of $300.. No other hidden fees
I paid on it for the past 3 mos and now got a approved with a card with higher limits and no fees.

[cali girl]

I was approved also recently, I didnt know my limit until the card was sent. I paid the $19 fee upfront and then a $79 annual fee with a limit of $300.. No other hidden fees
I paid on it for the past 3 mos and now got a approved with a card with higher limits and no fees.

Ok, thanks! This card that I got says that it's an $8 a month fee which equates to a $96 annual fee once it's paid. Hmm! Thanks for the info, I was a little concerned about paying that $19 fee and not hearing anything else!

[coma]

I was approved also recently, I didnt know my limit until the card was sent. I paid the $19 fee upfront and then a $79 annual fee with a limit of $300.. No other hidden fees
I paid on it for the past 3 mos and now got a approved with a card with higher limits and no fees.

Can I ask what other card you got after 3 months?