I too have a Orchard bank card through HSBC as well as a household card through the same company. I started my accounts about 18 mos ago Orchard card started at $3000. This all after a BK which orchard did not help me re-establish my credit first premier did, with a very low credit limit.
This is seriously my ninth month of paying $100 on my orchard card, yes it's my fault i maxed it out 2 christmas ago. And im still paying for it.
Every month i pay $100 and have not used this card in over a year, only to see my balance still at the max $3000.
Last month i paid and closed one of my 9 credit cards. So im on my way.
I'm sure once i pay orchard off they will lower my limit.
I feel like i'm being robbed every month.
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