Complaint Review: Orchard Bank - HSBC Bank - Salinas California
- Orchard Bank - HSBC Bank P.O. Box 80084 Salinas, California U.S.A.
- Phone: 503-293-4037
- Web:
- Category: Credit Card Processing (ACH) Companies
Orchard Bank - HSBC Bank ripoff bad faith interest hike on good customer no chg in credit rep Salinas California
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A warning if you are an Orchard Bank Card user: They are in the process of hiking their rates without justification. My rate is jumping to around 28% for no reason.
Three months ago, they sent me another approved card with zero interest until 1/07 that will then go to 13%. The same credit rating that got me that card, they say, was their justification to raise my older card to 28%. Go Figure.
My old account has been opened for over 6 years with no missed payments or overlimits. They tried to get me a couple of years ago when the annual fee caused me to go over, but relented and backed off fee.
At any rate, I am concerned about the new card. And, no, I cannot transfer balances. They won't pay themselves. I suppose I could get a cash advance, but the cash advance % is 24%. No help, really. Luckily, I have not used the 0% much and probably won't now that I know that they are unscrupulous. I had been supicious from the get go on the offer fearing a bait and switch. Now I am glad I listened to that little voice in my ear.
Orchard Card users and applicants - *****Beware******
Bonita
Westlake, Ohio
U.S.A.
This report was posted on Ripoff Report on 05/25/2006 10:52 AM and is a permanent record located here: https://www.ripoffreport.com/reports/orchard-bank-hsbc-bank/salinas-california-93912-0084/orchard-bank-hsbc-bank-ripoff-bad-faith-interest-hike-on-good-customer-no-chg-in-credit-193253. 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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