retrolady

I am happy with the card. It took 3 weeks to get from when I applied online. I activated the card ($300 limit)and checked the balance online, the $74 fee had been added but I paid it right then. I charge $10-$20 each month and then pay it off, so I haven't paid interest. My CK score was 603 when I applied, and today it is 648. Does anyone know if they ever raise the limit? I think if they raised the limit my score might go up more(as long as I didn't chare more!) I feel it was well worth the fee.

I recently got this card - when do they start reporting to the credit bureaus and which ones do they report to? thanks!

Hi ya'll, I applied online Jan 8, and today, Jan 29, I received my card! So it took 3 weeks. I activated the card and checked the balance online, the $74 fee had been added but I paid it right then. I am very excited about this chance to rebuild my credit!

thanks jessib this helps

when did you apply? trying to figure out when I'll get my card :)

I only applied for the Orchard Bank card and this one.

I applied for this card, was declined, and my score dropped 5 points, they inquired with all 3 bureaus.

I applied Jan 8, and today, Jan 20 the website shows I was approved for $300. Guess they'll send the card soon.

thanks all, no card yet and website still shows same thing, no idea what limit will be. I check status daily.

guess what? Cap One pulled all 3 bureaus, now I have 3 more inquiries on my report, and my score dropped...be warned

google new millennium complaints...I applied for this card, paid the $99 app fee, but after researching it more I think I am going to skip this one, and just be glad I'm only out the $99.

Just denied with CK score of 603. I was approved for orchard bank card, so try them.

My CK score is 603. I applied for this card Jan 8 and was approved for an unsecured card, application fee $19, annual fee $79. It did not state the credit limit I was approved for, I guess I find out when I get the card. The message says "your application has been approved and your card will be mailed in 10-14 business days". I'll post back when I find out the limit. In the past I would be like "yeah free mony go shopping!" and max it out and pay the minimum every month. Now I know this is a tool to rebuild my credit, I am going to buy a tank of gas a month and then pay it in full immediately. I have heard not to use more than 10-20% of a credit card limit ever! or it hurts your credit even if you pay it off the next day, because the companies report the high balance during the month even if you pay it off. I am grateful to orchard bank for giving me a second chance, I had them and household as derogs years ago so at first I was afraid to apply.