Report: #63279

Complaint Review: Orchard Bank / Household Credit Services - Prospect Heights Illinois

  • Submitted:
  • Updated:
  • Reported By: Washington District of Columbia
  • Orchard Bank / Household Credit Services 2700 Sanders Road Prospect Heights, Illinois U.S.A.

Orchard Bank / Household Credit Services Refused to Increase Credit Line or Graduate Secured Account Prospect Heights Illinois

*Consumer Comment: Now-a-days if you have bad credit and an auto insurance company has it, you may get higher rates.

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My complaint with Orchard Bank / Household Credit Services (OB/HCS) is this in late November 2001 I sent off an application for the Orchard Bank Secured MasterCard the minimum $250 was enclosed with the application. I received my new OB MasterCard a few days before Christmas December 2001. Within six months after the account was opened I requested a credit increase and was subsequently denied the request. I received a letter that their decision was based on my credit report. I let the matter go. Since then I have not been able to get my credit line increased (except if I make a deposit) or have my account graduated to unsecured.

However, Orchard Bank/Household Credit Service has no problem imposing outlandish fees to my account i.e. a company submitted a charge that was less than $20.00 however, I had only $1.00 available credit OB/HCS authorized the charge which resulted in my account be assessed $29.00 over-the-limit fee. Clearly, OB/HCS should have denied the charge. Most recently I contacted OB/HCS and requested a credit line increase or account graduation again, denied.

It is a fact Orchard Bank/Household Credit Service has no intention of upgrading or protecting its secured card holders however, OB/HCS will use a myriad of unfair credit practices to generate quick dollars for the company and to keep this particular group from obtaining its goal of being credit worthy and responsible.

I have decided to payoff my account and then close(note if you have a balance on your account when you close it OB/HCS will impose a $3.50 monthly service fee).

Washington, District of Columbia

This report was posted on Ripoff Report on 07/10/2003 01:01 PM and is a permanent record located here: https://www.ripoffreport.com/reports/orchard-bank-household-credit-services/prospect-heights-illinois-60070/orchard-bank-household-credit-services-refused-to-increase-credit-line-or-graduate-secur-63279. 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

Now-a-days if you have bad credit and an auto insurance company has it, you may get higher rates.

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

POSTED: Tuesday, March 15, 2005
Just so you know, if you have anything seriously negative on your credit report, increasing any credit limit whether a secured or unsecured card is a risk. If you have something negative on your credit report, will mortgage companies or banks want to give you a loan to refinance or buy a home? Now-a-days if you have bad credit and an auto insurance company has it, you may get higher rates.

Getting a credit limit increase also goes by your acct history, if you are staying near your limit and paying closer to the minimum than the balance, it may look as if you can't handle the acct easily, which is also a risk. (don't think that im pointing my finger at you, im speaking in general).
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