I paid off my credit card balance early on the rush payment service Orchard Bank offers, for 12.95, but they have my payment it has cleared my checking account and I will not get to use the card for 14 days or more. I have never been late and always pay ahead of time.
None of the other cards have done this to me, plus I had the privlege of paying 12.95 to basically suspend my credit for two weeks or more. Orchard will not refund the 12.95
I believe this is a scam and ripoff. I have proof and would gladly turn it over to any lawyer willing to go class action. I also plan to report this practice to NY Attorney General.
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