I applied to Orchard Bank to improve my credit. Applied for a card with no annual fee.
I got approved for a credit limit of $300. The card showed up at my door Saturday, however the card that I now had also came with a $74. First thing Monday morning I was calling and complaining. I don't make much as it is, I am young and only working part time and they expect me to give them $74 for an annual fee which is almost 1/3 of the credit limit no to mention I made sure that I applied for a credit card with NO annual fee.
The first lady that I spoke to kept pushing for me to sign up for their credit protection plan, I had to tell her multiple times that I was not interested before she got the picture. Then she tried to force their life insurance on me and I demanded to speak to someone else. They gave me the run around for 30 minutes of the phone and couldn't do anything! not een cut it in half.
I was told the only thing they could do is close my account. My boyfriend however had the SAME problem but after him complaining they completely removed his fee.
I HIGHLY SUGGEST EVERYONE TO NEVER APPLIED FOR ANYTHING FROM ORCHARD BANK. I will not recommend Orchard Bank to anyone I know and I most definitely will never go bank to them.