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Orchard Bank Classic MasterCards

51 comments

Offered by:
HSBC Bank Nevada, N.A.

Related Credit Cards:

Details:

Purchase Intro Rate	N/A
Purchase Intro Period	N/A
Balance Transfer Intro Rate	N/A
Balance Transfer Intro Period	N/A
Regular APR	7.90% - 19.90%
Balance Transfer Rate	7.90% - 19.90%
Cash Advance Rate	20.90%
Annual Fee	$39-$79*
Late Fee	$30-$35*
Cash Advance Fee	$5 or 5%*
Balance Transfer Fee	$5 or 5%*

Orchard Bank Classic MasterCards features:

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 to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.

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USER COMMENTS(51)

ontheroad_tc
Nov 20
1:31 am

hmm... I was approved, but now I check the site and it says "We are unable to finalize your credit card application. You will be hearing from us within the next 10-14 days." Guess I'll have to wait and see what happened. Guess the pre-approval process is not a guarantee.

mephistocrat
Nov 19
11:41 am

Just had my BK discharged in September of this year, have a Credit Karma score of 590 and was just approved for the unsecured Platinum card. Looking forward to managing this card responsibly to get my credit re-established and hope to be able to qualify for a reasonable home loan in a couple years.

ontheroad_tc
Nov 19
1:52 am

I'm about 6 months out of BK and got approved for a unsecured gold card with a TU score of 625 and D/E of 18%. Not sure of the credit limit but I look forward to rebuilding my credit.

es0788
Nov 17
10:50 pm

iv had this card for around 2 months now, sure you have a yearly fee when you first start out, but the only CON i have about it is you have to pay AT LEAST a week early for it to be considered on time... i payed my bill a FEW days before it was due, and they said it wouldnt be on my statment till 3 days after that, so i had to pay an extra 12 dollars for it to go on my statment that day so they wouldnt charge a $30 dollar fee...i was going to make a payment over the phone, but it took the same amout of time, and it cost $15 dollars...plus the 30 dollar fee because it would of been late..Any other credit card if you pay it on the due date before a certain time, it is considered payed....but not for this one...thats how they get their money

Solano2
Nov 17
12:53 pm

im about to apply wish me luck!!! : x

CK Moderator

If you don't mind, please share your experience after you apply.

tommyjo
Nov 17
11:35 am

I applied for this card about 24 months ago. I went in steps after my BK. Orchard Bank likes me for some reason. I have never had a problem with HSBC. After 12 months I applied for a capital one platinum and got a 300 credit limit. After 10 months I applied for a capital one prestige card with a $5,000.00 limit and then merged the lower limit capital one into the prestige card.

Not that this will work for anyone else but I called in to cancel my orchard bank card and they upgraded the terms to no annual fee and gave me a $100.00 dollar increase. So as it stands I still only have a $400.00 dollar credit limit but having this card has definitely help my credit reports and scores. This card is a stepping stone to better credit card offers. All my credit scores were below 600 when I received the Orchard Bank card. My scores are still low but above 633 now with high balances on the only 2 credit cards I have. I plan on keeping my orchard bank card now since I no longer have an annual fee.

Fardreamer86
Nov 13
8:46 am

I applied for the unsecured card, but it would only approve me for the secured one... Credit karma says my score is 644. Unless my real score is significantly lower, shouldn't I be able to apply for one of the others?

CK Moderator

Most credit card companies have increased credit score requirements over the last 12 months. A 644 is marginal.

kannikel99
Nov 12
11:28 am

They only allow you one card ever. They says it's bank policy. Will have to wait and see what happens with the current card I have.

morrisey9
Nov 11
7:34 pm

Additional details state the card requires a $200 deposit. How does this work?

CK Moderator

For the secured card, you have to put down a $200 deposit. In return, you will get a credit limit of $200 which will report to the credit bureaus. This is one of the best ways to build credit if you have poor credit. If you cancel, the card the $200 deposit will be refunded.

beks22
Nov 10
1:11 pm

for rebuilding credit, this was easy. 672 Credit Karma score but my CU says my score is 562. Got instant approval for an unsecured gold card, $74 annual fee. Don't know the limit yet. I'm only a month post-BK so this is fantastic for me.

CK Moderator

Thanks for sharing the BK details. I am sure other members will find it valuable.

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