This company is the biggest rip off I have ever seen. I have 2 orchard bank cards visa&mastercard. On my mastercard I sent my payment on time they posted it 1 day late chargeing me 70 dollars in fees. I then try to pay it up but they charge me every month after my billing statment but before my payment is due. I have another card from SD that posted my payment before my orchard bank card did when I also live in CA where orcard bank gets thier payments. Orchard should have got there payment first.
On my visa I have a 300 dollar limit there recording tells me my balance is 288 dollars witch would Leave 12 dollars but at the same time tell me I'm 3 dollars over. This company is fraudulent. They take advantage of poor inicent people trying to build there credit. It's pretty bad when a payment can get to SD several states away faster than they can get to a company in the same state you live in. When all payments were sent the same day.
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