Hsbc orchard bank
Hsbc orchard back credit card - a bad credit card to be avoided - credit card

I received my deposit check from Intermountain Community Bank which is the bank for the orchard bank credit card. Before I received this check, I called orchard bank’s 503 phone number about 10 times. What I learned is that you should dial their 1800 number instead of 503 phone number. I guess that their employees in India or other foreign countries picked up the 503 phone calls. But the 1800 phone calls are picked in USA.

Some lessons:

1. Be very patient if you have orchard bank credit card and you plan to get your deposit back. They claim you will get your deposit check in 2 months. But you still have to give them call because after 2 months you will still probably don’t get your check.

2. If possible, go to citi bank or bank of American and apply for their secured credit card or unsecured credit card. These banks are 1000% better than orchard bank.

It seems like that it is nearly impossible to make a secured credit card into unsecured even I make payment very promptly and I keep my balance low. After 26 months, my credit card is still secured. When I request that they change the status to unsecured, their reply was that they will research the issue and made their decision in proper time. My credit has increased dramatically in two years and several banks give me $2000 unsecured credit. But never dream of getting a unsecured credit card from Orchard Bank.

3. Dial 1800 phone number on bank of your credit card instead of 503 phone number. Because their overseas employees simply don’t solve problems and maybe even make problems worse. That is really a waste of time and the employee’s time.

In my experience, orchard bank credit card and capital one credit card are the worst credit card. Try to avoid these two credit cards and don’t fall trap by their advertising tricks.

Company: Hsbc orchard bank
Country: USA

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