ED Magedson – Founder
HBSC - Orchard BankPO Box 60102 City of Industry, California 91716-0102 Internet United States of America
I purchased a product called CreditKeeper.com via HSBC's (Orchard Bank's) website; which they strongly recommended. Unfortunately the product was not accessible and the website would spin and I was unable to obtain my credit report prior to purchasing a new vehicle. I contacted Orchard Bank and asked them to cancell my account with CreditKeeper.com (since I purchased it thru them) and in error they cancelled my credit card. They admit to the error, but refused to reinstate my card without reapplying for a credit card.
I "WAS" an Orchard Bank credit card customer for years and ALWAYS paid my statements on time. I did not want to have them run my credit for a card I was entitled to as it would lower my credit score with another hit; expecially since I just purchased a new car.
When I finally agreed to let them run my credit or reapplied, I was denied for no reason and never received a reason why via mail. I have obtain better credit cards since using them and highly do not recommend this card.
Please also keep in mind, HSBC/Orchard Banks interest rate is very high - so shop elswhere...you deserve it.
This report was posted on Ripoff Report on 06/10/2010 07:55 AM and is a permanent record located here: http://www.ripoffreport.com/r/HBSC-Orchard-Bank/internet/HBSC-Orchard-Bank-HSBC-Bank-Nevada-Cancell-my-credit-card-in-error-and-then-would-not-ac-612503. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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