Orchard Bank (HSBC) Credit Card Reviews

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★★☆☆☆
1.7 / 5
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Orchard Bank (HSBC) Credit Card

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Latest Reviews

★☆☆☆☆

“Discouraged and Mad”

Written on: 24/04/2013 by Queenking72 (1 review written)

I have had my Orchard Card for 18 months now. I have paid my card off consistently for months and on time. I have no other outstanding debt on my credit. I have called for months trying to get a credit increase as they advertised as helping to build credit. However, each time I have been shot down. I have told they were in a credit increase freeze in the past now today, I am told yes they can see that I a great payment history but that perhaps due to business reasons they still cannot offer me… Read Full Review

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★★☆☆☆

“Fraud, Disputes and Customer Service”

Written on: 11/10/2012

I have had this card for a few years now and I haven't had a problem with it, except for the fact that haven't raised my credit limit. On August 7th of this year we noticed several small charges on my account that came to $62.23. All done on the same day and all in a different state. Georgia. I live on Ohio. I also opened my store that day was working till late that night. I called the next day to report this problem to them, and they told me they must wait till the charges were done pending… Read Full Review

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★☆☆☆☆

“6 months and can't get issue resolved, re: secured card”

Written on: 09/10/2012 by SheikJabouti (1 review written)

I told HBSC in June 2012 to close my account and use the secured savings as payment. To date they haven't, and they turned my account over to collections despite my numerous attempts to get them to release the funds as final payment. This company has no idea what they are doing!! Seems Capital One bought them, and the situation is even worse now??… Read Full Review

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★☆☆☆☆

“TERRIBLE CARD”

Written on: 19/09/2012 by mrstaylor2011 (1 review written)

This card is a scam to get fragile consumers that are looking to rebuild their credit score interested and damage them even further. I am so sorry that I ever did any business with them, I opened this card in hopes of rebuilding my score after several medical issues and I wanted to buy a home. I used $300 of my own money to open an account and only made 1 puchase for less than $15 in total, I set up automatic payments over 6 months to show a consistant payment history. To my surprise I received… Read Full Review

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★★☆☆☆

“unimportant customer”

Written on: 09/09/2012 by Mwaters0 (1 review written)

I looked to this savings account credit card because I was an irresponsible young adult and ruined my credit from the get-go. My husband had quite a good relationship with this company so I gave them a go. I didn't read the fine print enough to realize that there was a $35 annual fee and only came to the knowledge after 4 years of membership (Obviously my mistake for not doing my due diligence). It was upsetting that it costs me $35 a year to help pay their company bills when they already had… Read Full Review

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★☆☆☆☆

“Set me on the run around of my life. ”

Written on: 09/05/2012 by Famous511 (1 review written)

I should have saw all this coming when their idea of apply for a credit card including printing out an application online,photocopying my id, and mailing the application in. A month later I received a letter stating that I was denied because I needed to open an account with them. I understood this when I filled out the application and that is was I was under the impression I was filling out. The letter gave me a number to call, so I called it. The automated system would not let me pass because… Read Full Review

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★☆☆☆☆

“Would you invest in a SPAM Factory?”

Written on: 21/04/2012

Well, maybe given the proliferance of SPAN, it would be a sound investment. But a Bank that floods the SPAMways, forget it. I have unsubscribed many times. The Bank ignores them all… Read Full Review

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★☆☆☆☆

“what a hassle”

Written on: 09/04/2012

The orchard bank secured card is good for building credit- until you need to cancel it. They promise you will get your deposit back within 30 days of canceling the card, but it took over 3 months and MANY angry phone calls to get them to send my money! I had about 10 customer service representatives promise me that they were absolutely positive that my check had been mailed out. Not sure if the customer service reps are told to lie or just not knowledgeable at all. The whole process of trying… Read Full Review

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★★☆☆☆

“Served it's purpose”

Written on: 05/04/2012

When my credit was Bad this card came in helpful, since then I have received better cards from Cap one and Citi bank that have no annual fees so I canceled my Orchard bank card to avoid another $59 fee. When I called to cancel of course I got routed to India and then back to someone in the states after 10 minutes on hold… Read Full Review

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★☆☆☆☆

“Watch Out on Due Dates!”

Written on: 17/03/2012

Credit card is fine for re-establishing good credit, or any credit if you are recovering - complaint was filed with Attorney General's office with State of California due to them refusing to change my due date from the 14th of the month - everyone is fixed on that due date - so if your on a fixed income, like me, and sometimes you dont get paid by social security until the 14th of the month, boom - late fee. This is their way of collecting extra late fees by disallowing movement of due dates… Read Full Review

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★☆☆☆☆

“STUPID CARD., STUPID PEOPLE”

Written on: 05/03/2012

This review is actually stupid. Orchard has been VERY bad, although I pay immediately my balance, they hold my payment and don't make the money available, but only after 2 weeks. They hope that I will charge more and more and perhaps be able to charge me interest. Very greedy people and very bad company. Customer care is non existent too… Read Full Review

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★☆☆☆☆

“they closed my account”

Written on: 13/01/2012 by hamza1259 (1 review written)

i applied for this card 2 months ago i paid every months on time in full they closed my account i called asking why they said i have too many accounts open i told them i have only 2 accounts they said we dont know thats the informtion we have and they revios to reopen the account and revios to refund the anull fee $59 and procesing fee $39 i had baid theme just 2 months ago… Read Full Review

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★☆☆☆☆

“AVOID AVOID AVOID!!!!”

Written on: 12/12/2011 by justfun1989 (1 review written)

Avoid this bank by all means!!!!! I've been trying to get the secured credit card for 3 months, emailing them papers back and forth. They kept requesting information little by little for three MONTHS!!!!!! and after I receive the card they closed my account!!!!! saying we are sorry we had to close it for security purpose and they will send me my deposit back ! After waiting all this time I get this... I haven't even used it, WASTE OF TIME!!!!!!!!!… Read Full Review

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★★★☆☆

“Face it, you've got bad credit if you're reding this”

Written on: 13/07/2011

First off, if youre trying to rebuild your credit then understand that you're already over the barrel, so to speak. That being said, expect to receive a credit limit of between 300 and 500 dollars when you are finally approved. I've had my card since August of 2010 and have had no unexpected problems. But, I have also paid my bill in full every month and paid it well before the due date. The biggest issue with this card is the customer service, payment posting time frames and credit limit… Read Full Review

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Guest's Comment

Written on: 03/02/2012

The reason for the freeze from what I have been told is that HSBC This announcement was about mid 2011 and it has still not been finalized. I hope (more like praying) that this is a good thing. I defaulted on a capital one card and I am still paying it back. I hope this can answer at least one of your questions. You probably have the best review on here.

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★☆☆☆☆

“So I applied for the credit card because we had a bk...”

Written on: 23/05/2011

So I applied for the credit card because we had a bk discharge last year and I wanted to rebuild my credit. They gave me a $300 credit limit, which is virtually not doing much for rebuilding my credit. I have always made my payments on time and in full every month. So I thought they would increase my credit limit. I called them and requested a credit increase and they stated that at this time Orchard Bank has made a corporate decision to not increase anyone's credit limit. Hmmmmm?????? Is… Read Full Review

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Guest's Comment

Written on: 26/05/2011

Who ever told you that was wrong because they raised mine to 520 without asking. It took about 7 months of paying in full every every month and not using it some months then it was raised

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Guest's Comment

Written on: 13/07/2011

I've had the same issue with the credit limit increase requests. Made payments in full, on time for almost a year and get a generic " no requests are being considered at this time"

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★☆☆☆☆

“Don't get this card!!! They do not reverse fraudulent...”

Written on: 18/05/2011

Don't get this card!!! They do not reverse fraudulent charges even when proof is provided that the charges were made in Florida while I was in California. Horrible customer service and pat answers as to why they can't help!!! The worst I have ever experienced in my 25 years as a credit consumer. I only give this card one star because you can't leave a comment with zero stars… Read Full Review

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★☆☆☆☆

“Horrible customer service. The phone monkeys in the...”

Written on: 05/05/2011

Horrible customer service. The phone monkeys in the call center simply read their script and don't offer any help or support at all. It took 3 months for them to make a credit decision, in the meantime they cashed the secured cheque I sent in then refuse to release the funds for another 2 months after they finally declinded the secured card… Read Full Review

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★☆☆☆☆

“I would not recommend this credit card to any one....”

Written on: 28/04/2011

I would not recommend this credit card to any one. Customer service is very poor and every answer is thank you BUT and why they can't help you. My payments have been higher than required and ahead of time and still very poor poor service. I have also got not 1 but 2 cards thru Capital One and there service I would say is a 9 out of 10 which is excellent. Payments get posted on time and when I call they speak English to me - think I will be saying good by to Orchard Credit card-poor company… Read Full Review

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Danieltatl's Comment

Written on: 08/09/2011

Just an FYI - Captial One purchased HSBC

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★☆☆☆☆

“No legitimate company operates this way. Go with...”

Written on: 25/04/2011

No legitimate company operates this way. Go with another card.

I applied for the card online & was approved late February. Mid-March I called because I hadn't received a card yet & was told it could take up to 30 days. In April I still had no card but received a bill for $86.

When I called customer service they said they were sorry, they'd send a new card, and I needed to make a payment since my account was now past due. It took 20 minutes of explaining why I would not make a payment… Read Full Review

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★☆☆☆☆

“I received a pre-qualify form. I went online to...”

Written on: 18/04/2011

I received a pre-qualify form. I went online to process the app. A fee was required and the app. Said I was approved. I processed the payment online. The fee was taken out of my account. I checked the app. status online and it stated the card was still processing. I called the customer service dept., which was really rude. I was advised it was going to take an additional 10-14 bus days before they have status on my account. I advised that was unexceptable the funds were already taken out of my… Read Full Review

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