Credit Card Review & Application
Orchard Bank® Classic MasterCard®
- An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages are available to remind you of your upcoming payment due date
Related Cards
| Intro APR: | N/A* |
| Intro Period: | N/A |
| APR: | 14.90%-19.90%, or 7.90% (variable) * |
| Annual Fee: | See terms* |
| Issuer: | HSBC Bank |
| Card Network: | MasterCard® |
| Card Category: | Consumer (Regular) |
| Card Type: | - Card for Bad Credit - Instant Decision Card - Low Interest Credit Card |
| Credit Needed: | Bad Credit OK* |
Orchard Bank Classic Master Card is designed for consumers having limited, bad, low and average credit. For these persons, the need to improve credit rating is crucial in order to secure loans or other preferred credit packages. This credit card offers card members an opportunity to build credit with ease and much more convenience.
The introductory APR period applies towards balance transfers, and purchase APR. Interest is charged right from the first purchase. Purchase APR varies between a range from low to moderate. Members using a secured Classic card pay very low purchase APR. Cash advance APR is high and a 5% or $5 transaction fee is applicable on whichever is greater basis. Balance transfers are not allowed.
Applicants are billed an application or processing fee. Successful applicants are provided a card with specific purchase APR and annual fees according to credit worthiness. Less qualified applicants may be represented with an option for a secured credit card.
To ensure every member is at ease and for added convenience, Orchard Bank lets everyone select their own payment due dates during a billing cycle period. They report to all 3 major credit bureaus regularly. Those card members who pay regularly and qualify will enjoy periodic credit limit for more purchases and spending power.
Online account management puts card members in the fore front. Members can keep up to date with expenses, and related transactions listed out in paperless statements. An innovative feature also lets member customize their own spending alerts online.
Automatic bill pay lets card members pay an electronic bill without the accompanying stress. There's no charge for online bill payments no matter how much are sent during a billing period.
Members receive 100% fraud protection with zero liability on unauthorized transactions.
This credit card does not offer a rewards program of any kind but card members may receive discount purchasing from MasterCard accepting merchants worldwide.
Orchard Bank MasterCard could just be what you need to build a more solid credit score. This card applies to everyone from those without credit to those having average credit. Members have various options to choose from with each card issued according to credit worthiness.
See applicable card agreement before applying.
| Other Benefits: | See Terms and Conditions of the card |
| Comments: | * Annual Fee: $19 - $59 the first year, or Introductory $29 or $49 the first year, then $59 per year thereafter * Ongoing APR: 7.90-19.90% based on creditworthiness Disclosure: It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed. |
| Credit Reporting: | Yes |
| Online Account Access: | Yes |
| Introductory APR: | N/A* |
| Introductory Period: | N/A* |
| APR on Purchases: | 14.90%-19.90%, or 7.90% (variable)* |
| Annual Fee: | See terms* |
| Grace Period: | N/A* |
| Min Finance Charge: | $1.00 |
| Late Payment Fee: | N/A* |
| Balance Transfer: | Yes |
| APR Cash Advances: | 29.99% |
| Cash Advance Fee: | 5.00% |
| Minimum Fee: | $5.00 |
| Additional Fees | Late Fee: $30 if balance is less than or equal to $1000; $35 if balance is more than $1000 Over the Credit Limit Fee: $19 if credit limit is less than or equal to $250; $30 if credit limit is more than $250 Variable Penalty APR: 29.49% Balance Transfer APR: 7.90%-19.90% Account Processing Fee: $0.00 - $39.00 |
| Apply Now |
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† The information provided for Orchard Bank Classic MasterCard is believed to be accurate at the time of evaluation (Nov 10, 2011). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.
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