Orchard Secured Graduation Rant…

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    • #226119
      Anonymous
      Inactive

      This is really just a rant…

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      After reading this forum very heavily over the last few days, I decided to call Orchard/HSBC and ask them about my secured account being graduated to an unsecured account. The lady was very nice and told me that the accounts are reviewed on a regular basis and that at this time my account was not eligible for graduation. So I asked her if having the account graduated was in fact an option in the future and she said yes, but not at this time. I told her that I was no longer seeing the benefit to keeping the card open and that I no longer had the desire to keep the card. I*further told her that now that I can get prime cards, I no longer needed to keep the*”rebuilder” card; and that I am seriously considering*ditching the card*when the AF comes up.*She said that she would notate the account and that I could call back at that time and that they would “see what they could do for me.”

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      UGH…what should I do? I have had this card since 2008 and I really don’t want to close it because it is my oldest card. Should I just shut up and keep the account open? It’s not really hurting me and the AF is small. I really just*want some benefits to having the card aside from it helping my FICO score.

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      What are your thoughts out there?????????????????? :smileyindifferent:

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