Lower start up fee

Posted Sun January 9, 2011 7:26 pm, by Amy G. written to HSBC Bank USA

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I would like to know if it is at all possible for your company to possibily reconsider such a large amount for a secured card. I have been working really hard over the past six months to rebuild my credit and would love the opportunity to do so with Orchard Bank.
I recently received a credit card a couple of months ago with a $45.00 start up fee, and am in good standing with them, and plan to always be. I would not go through the trouble of contacting you if I was not serious about my urge and want to truly get my credit on a positive note.
As we all are learning, your credit score is one of the most important things we have anymore when it comes to quality of life, and all I as is for a chance to improve mine.

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Re: Lower start up fee by franese Posted Mon January 10, 2011 @ 8:00 PM Actually you didn't contact them - you asked a third party website to contact them. I'm sure there is an 800 number on your card - you MAY have better luck if you contact them directly. Reply Re: Lower start up fee by RedheadwGlasses Posted Mon January 10, 2011 @ 1:16 PM You don't need more credit in order to fix your past mistakes. You just need ZERO credit. I'm with RR -- consumer debt is bad. Reply more researcch needed by Bill R. Posted Sun January 9, 2011 @ 9:26 PM Amy G., If I were you I would do some "googling" on the topic. Second I would visit a local credit union, lay my "crads" on the table with regard to your history and see if they have any suggestions that are not going to kill you with a start up fee and an outrageous annual percentage rate. BillR. Reply