Orchard Bank won't let me consolidate! Credit card has $450 room, will not let me do a balance transfer into it! City of Industry, California

What have you offered this person that has filed the original report?

Bman on this post that was my point to you. 

What good is writing the FTC going to do to help this person?  Is the FTC going to force Orchard to allow the OP to do a Balance Transfer?

What good is telling them about a company that has nothing to do with the credit card or anything this person has an issue with going to do? 

But since you want me to provide something to help the OP.  Okay..here we go.

There is NO law or regulation that says a credit card has to allow you to do a Balance Transfer.  You say you want to do this to make one payment instead of two.  These are two LOW BALANCE credit cards(under $500 each).  Really how much difficulty can you be having in making two payments that probably have minimum payments of around $30?

You say that they are not helping you build your credit because they won't let you do the balance transfer.  Unfortunatly you are wrong.  If they allowed you to do the balance transfer you would have one card with no balance(if you didn't go out and charge up on it again), but you would have "maxed" out the Orchard Card.  This is actually a negative item.  In general, you should try and never use more than 30% of your total credit line, but also never use more than 50% on any single card.

The best thing you could have done is pay as much as you can on one each month, while paying a little over the minimum payment on the other.  Oh..and if you haven't figured it out they were not forcing you to use up your credit line by not allowing you to do a balance transfer.  As for closing the card, if you were trying to build credit that probably wasn't the smartest move.  Because now you have just reduced your overall credit line but still have the same balance.  If this was an older card you have also just reduced your credit age(another factor in your credit). 

Bman with your latest posts are you trying to become RipOff Report's East Coast Karl by posting things that have nothing to do with the actual post?

So the name has Orchard in it, what does that have to do with the Orchard Credit Card(which if you actually did your research is managed by HSBC).  I guess all of those e-mails from Microsoft that says I have won the Internet Lottery means that Microsoft is somehow involved. 

Nothing in the original report had to do with an Advanced Loan Fee scam.  They were upset because the bank wouldn't allow them money to do a balance transfer.  So with your other post, exactly what is writing a complaint to the FTC going to do?  Is there some hidden law in all of your "research" that you uncovered that says a Credit Card company must do a balance transfer?

We are awaiting your poems Bman..

    Are you implying that there is some connection between the typical Canadian loan scammers who call themselves Orchard Credit and Financial Solutions and Orchard Bank?   Was the fact that they both had "orchard" in their names the extent of your research?   Are you aware that the loan scam outfits just make up any name they want for their fake company?   They could just as easily be called Bman Financial.  Would that mean you were involved?  

http://www.ftc.gov/reports/index.htm