I actually have a MasterCard from Orchard bank, and I did it to help my credit, and I have had the card for over 2 years, WELL, NEVER call and request for a credit increase holy moly, they are not the friendliest people, and they charge you for getting a 100.00 increase. I was charged 25.00 I mean come on, that is ridiculous. I keep the card and I use it as its helpful, but I will never request an increase. This company also does NOT do an auto increase so. not really worth it in a lot of ways, but great for credit help.