How to Activate Your Orchard Credit Card

Orchard Bank provided several credit card options to meet your financial needs. When you applied for one successfully, the activation process was similar for each account.

You could choose from secured, gold, classic, low-interest, and platinum Orchard credit cards. Even prepaid options were available.

The first cards started reaching the market in 2003. They would become a subsidiary of HSBC, which was eventually purchased by Capital One in 2012.

If you have an old Orchard Bank card that you think requires activation, you must follow Capital One’s activation process today.

How to Activate a Capital One Credit Card

The fastest way to activate a credit card issued by Capital One is to enroll in online banking. You’ll need the card available because the three-digit security code along the signature window must get entered to verify your identity.

If you already have a Capital One credit card, your new account gets linked to your existing information. Click on the “Consolidate Your Accounts” menu item and follow the prompts to take care of this process.

Once you’ve linked your new card with an existing account or set up your online profile, you can activate it.

If you’re trying to activate an Orchard Bank credit card through this process, it may not work. You may need to contact customer service directly to get the help you need.

Can I Activate My Orchard Credit Card at Capital One?

Most Orchard accounts were converted to Capital One credit lines during the 2012 merger. If you found one that was never activated, the account was likely canceled.

You can verify your Orchard credit card’s current status by contacting Capital One’s customer service number at 1 (877) 383-4802. A representative can answer whatever questions you may have about your account.

If you need to call outside the U.S. about this credit card, find an international operator and tell them to dial the United States collect. Have them call (804) 934-2001. When asked to give your name, say that you’re a Capital One customer to receive help.

For most people in this specific situation, the only way to get credit is to apply for a new Capital One card. Since it has been more than seven years since the buyout, your credit history may not show you were ever approved for the Orchard product.