I've been a customer of Orchard mastercard for yrs.now.never late, good rating.Said I would receive periodic increases accordingly.Never got such.called to inquire & was told I'd have to "Pay"for any increases given to me.I established this card after a bankruptcy to build it up.it's doing anything but.and Now...If I close it it's held against me.The advice I have is wait & get a REAL credit card through a legitimate co.if needed that bad.if it isn't I'd suggest you to pay cash!!!or do without.

OMG! If I knew about all the complaints w/ Orchard Skank, I would've never applied. At the time, I was a singe mom (divorced) & tried to build a credit. I paid $300.00 as a "deposit". Since, they keep on being dishonest (annual fee that keeps on changing w/o my knowledge), I decided to close the account. When I asked how long it would take for them to refund my deposit, they told me via phone that it would be 180 days. Today, I recv'd an email saying they will not refund at all! Is this right? They can go to HELL!!!