ORCHARD BANK/ HSBC APR% TRIPLED TO 28.9%, LATE ONCE IN 2 YRS Portland Oregon

If you call ANY company you can be talking to someone outside the US. all you have to do is ask to talk to a stateside rep and they have to transfer you, but you then could still be talking to someone with a heavy accent in the US. Most cardmember agreements says that they can raise your APR at any time for any reason and that they can also pull periodic credit reports without your knowledge. Unfortunately this company is very greedy and they are raising APR's on all their cards to help pay for their subprime mortgage losses even if you have never missed a payment. That is one of the reasons I no longer work for this company it is ethically and morally wrong what they are doing to good customers because of their greed.

I can be sympathetic, but I can't exactly put myself in your shoes. I don't know when you got your card, or what the terms of your agreement with them were. However, I have had an Orchard Bank credit card for around 4 years now. My credit improved dramatically. The only fee I have ever had to pay on the card was a small annual fee of $59 per year. Never any monthly fees as you suggest you are paying at this time. I really have nothing bad to say about them. Looking at your comments further, I see they tripled your APR from 9.9% to a rather startling 28.95% -- which is a rather big jump for a default APR, which is what it looks like they did to you. I think that in the overall scheme of things, they may have violated your cardholder agreement with what they did, but I only have mine and it states as follows:

1. The default APR will be instated should I pay late twice in any six month period, go over the limit twice in any six month period, or issue a bad/returned payment to HSBC once in any six month period. The APR will return to its original rate after twelve consecutive months of good history.

2. The default APR for this card is 23.99%.

Now, I have never been set at this default APR, which is why I can't put myself in your position. However, if it was a late payment, they shouldn't have done what they did right off the bat like that. I don't know what to tell you except that maybe you need to check with someone else. I can give you a phone number to reach an American representative at HSBC (it's always worked for me): 1-888-385-8916. Call there and see if you get better results. The number appears to terminate in California from what I can tell. I wish you the best. Good luck!

I can be sympathetic, but I can't exactly put myself in your shoes. I don't know when you got your card, or what the terms of your agreement with them were. However, I have had an Orchard Bank credit card for around 4 years now. My credit improved dramatically. The only fee I have ever had to pay on the card was a small annual fee of $59 per year. Never any monthly fees as you suggest you are paying at this time. I really have nothing bad to say about them. Looking at your comments further, I see they tripled your APR from 9.9% to a rather startling 28.95% -- which is a rather big jump for a default APR, which is what it looks like they did to you. I think that in the overall scheme of things, they may have violated your cardholder agreement with what they did, but I only have mine and it states as follows:

1. The default APR will be instated should I pay late twice in any six month period, go over the limit twice in any six month period, or issue a bad/returned payment to HSBC once in any six month period. The APR will return to its original rate after twelve consecutive months of good history.

2. The default APR for this card is 23.99%.

Now, I have never been set at this default APR, which is why I can't put myself in your position. However, if it was a late payment, they shouldn't have done what they did right off the bat like that. I don't know what to tell you except that maybe you need to check with someone else. I can give you a phone number to reach an American representative at HSBC (it's always worked for me): 1-888-385-8916. Call there and see if you get better results. The number appears to terminate in California from what I can tell. I wish you the best. Good luck!

I can be sympathetic, but I can't exactly put myself in your shoes. I don't know when you got your card, or what the terms of your agreement with them were. However, I have had an Orchard Bank credit card for around 4 years now. My credit improved dramatically. The only fee I have ever had to pay on the card was a small annual fee of $59 per year. Never any monthly fees as you suggest you are paying at this time. I really have nothing bad to say about them. Looking at your comments further, I see they tripled your APR from 9.9% to a rather startling 28.95% -- which is a rather big jump for a default APR, which is what it looks like they did to you. I think that in the overall scheme of things, they may have violated your cardholder agreement with what they did, but I only have mine and it states as follows:

1. The default APR will be instated should I pay late twice in any six month period, go over the limit twice in any six month period, or issue a bad/returned payment to HSBC once in any six month period. The APR will return to its original rate after twelve consecutive months of good history.

2. The default APR for this card is 23.99%.

Now, I have never been set at this default APR, which is why I can't put myself in your position. However, if it was a late payment, they shouldn't have done what they did right off the bat like that. I don't know what to tell you except that maybe you need to check with someone else. I can give you a phone number to reach an American representative at HSBC (it's always worked for me): 1-888-385-8916. Call there and see if you get better results. The number appears to terminate in California from what I can tell. I wish you the best. Good luck!

I can be sympathetic, but I can't exactly put myself in your shoes. I don't know when you got your card, or what the terms of your agreement with them were. However, I have had an Orchard Bank credit card for around 4 years now. My credit improved dramatically. The only fee I have ever had to pay on the card was a small annual fee of $59 per year. Never any monthly fees as you suggest you are paying at this time. I really have nothing bad to say about them. Looking at your comments further, I see they tripled your APR from 9.9% to a rather startling 28.95% -- which is a rather big jump for a default APR, which is what it looks like they did to you. I think that in the overall scheme of things, they may have violated your cardholder agreement with what they did, but I only have mine and it states as follows:

1. The default APR will be instated should I pay late twice in any six month period, go over the limit twice in any six month period, or issue a bad/returned payment to HSBC once in any six month period. The APR will return to its original rate after twelve consecutive months of good history.

2. The default APR for this card is 23.99%.

Now, I have never been set at this default APR, which is why I can't put myself in your position. However, if it was a late payment, they shouldn't have done what they did right off the bat like that. I don't know what to tell you except that maybe you need to check with someone else. I can give you a phone number to reach an American representative at HSBC (it's always worked for me): 1-888-385-8916. Call there and see if you get better results. The number appears to terminate in California from what I can tell. I wish you the best. Good luck!