Report: #464937

Complaint Review: HSBC / Orchard Bank Credit Card

  • Submitted: Thu, June 25, 2009
  • Updated: Thu, July 16, 2009
  • Reported By: Champaign Illinois
  • HSBC / Orchard Bank Credit Card
    City Of Industry, California

HSBC / Orchard Bank Credit Card Took my rush payment held it and charged me an hold charge of $99 City Of Industry California

*Consumer Comment: Except

*Consumer Comment: Troy - don't be dissuaded by Ashley's comments

*Consumer Comment: Misunderstanding

Show customers why they should trust your business over your competitors...

I've been with orchard for a little over two years, never had a late payment, always paid on time. I needed a rental car to pick up my son from the airport so two days before my rental reservation I made a rush payment to orchard to make sure i could cover the rental. Well when I got to the rental desk the most embarrassing thing happened my card was declined,

so i called the company after waiting forever to get an customer assistant in another continent I was told the rush payment only post it do not give you the available credit to use. So I ask that the $13 rush fee become deleted because it serves my no purpose.In the end I canceled my account because they put a $99 HCS hold on my account to make sure the money was transferred from the bank and i was told that it would be up to 14 days before i would have access to it, so much for a rush payment and they had received the funds out my bank account two days before.

Troy deen
Champaign, Illinois
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This report was posted on Ripoff Report on 06/25/2009 12:14 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment


AUTHOR: Ashley - (U.S.A.)

You are still wrong.

When you make a payment to your credit card it does not increase your available credit immediately. The increase in available credit comes at the beginning of the billing cycle.

Nice to see someone is on a crusade to attack me on here. My motivations on why I respond to these posts have nothing to do with the facts on how credit cards work.

This customer used a feature "rush payment" in an attempt to free up more credit on their card. A rush payment is used to make sure your payment reaches them in time. The customer should have contacted customer service about a temporary increase in their credit in order to cover the expense coming in.

Or maybe just used the cash to pay for the rental.
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#2 Consumer Comment

Troy - don't be dissuaded by Ashley's comments

AUTHOR: Midilaw - (U.S.A.)

If you review the majority of Ashley's comments on this website you'll quickly come to realize that she spends the majority of her time being didactic, which means trying to "teach" the cconsumer. Unfortunately, what she teaches is more often than not WRONG and comes from her history working as customer service rep for a company. Ashley tells us on her many, many critical posts that:
"In my day I was front end manager/service desk manager at a grocery store, and store manager of a convenience store. I did work in customer service for 10 years before I graduated college last year. ...I managed the service desk at a grocery store chain, and I managed a convenience store in that time. Thankfully I decided to finish getting my degree and get away from the public."
This indicates that she came to dislike and tire of having to explain/defend company policy to customers who had complaints, and her attitude and advice and "consumer suggestions and comments" on this website reflect her disdain for the "complaining" consumer and her apologist predilection for offending companies.

When it comes to HSBC, and their OUTRAGEOUS and CONSISTENTLY PREDATORY AND UNLAWFUL CONDUCT, Ashley "teaches" the consumer both in your post and on others on this website that HSBC is correct, that they have the right to do what they do to their cardholders, and that if the cardholder would just read the Terms of Service or learn a bit more about credit card practices that we'd all know how right Ashley is and how wrong WE are.

Take a look at the consumer RipOff report I posted about HSBC Credit Card practices at

You may feel differently about Ashley's advice and, more importantly, you may feel that your complaint against HSBC is fully justified.
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#3 Consumer Comment


AUTHOR: Ashley - (U.S.A.)

Sounds like you misunderstood a rush payment. A rush payment is to make sure you get it there before you due date to stop any late fees from occuring. Not to free up credit. The credit free up will occur with each billing cycle. Not when you make a payment.

That's how credit cards work.
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