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Here is a cut and paste of my recent email to Orchard Banks Customer Care that pretty much describes what they did to me:
To:
Subject: RE: Orchard Bank Customer Care Message Confirmation (KMM51069276I31069L0KM)
This morning, I just spoke to a customer service manager that explained that apparently I am now all of a sudden at a 29% default APR instead of the 14%APR.
Hsbc bank offered me a credit card to rebuild my credit. I filled the application online and they issued me a credit card in 14 days.
I have to start by saying I am guilty of not reading my statement and just grabbing the top page and paying the bill.
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