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Orchard Bank Classic MasterCards

Offered by: HSBC Bank Nevada, N.A.

256 comments | Comment on this offer

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% - 24.90%
Balance Transfer Rate	7.90% - 24.90%
Cash Advance Rate	20.90%
Annual Fee	See Terms*
Late Fee	See Terms*
Cash Advance Fee	See Terms*
Balance Transfer Fee	See Terms*

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.

Comments

(256 Total Comments)

i got approve with creditkarma score of 593. i dont know for how much "

chuloray at 10:05 am Mar 14

So far my experience with Orchard Bank has not gone as smoothly as I would have hoped. I mailed my application & security deposit on 2/22 and have just received a response on 3/12. It is requiring me to mail additional documents in order to open my account. The only thing initially required was the application and security deposit. I wish they would have asked for all of this in the beginning. I will post another comment updating this once I get the card or if any other issues come up. "

Dizexhaled at 9:50 am Mar 14

I was not very not happy with HSBC Bank Security card, I applied for a security credit card on January 22 2010 made a security deposit for R$2,000.00 did every thing right with postal services receipt and every thing else wen I call hsbc no one know one tells me were my deposit is or wen I will get my card so I,m very conserd any one can help? "

cimarduarte at 9:14 am Mar 14

Cancel the check.

CK Moderator

Just got approved for the Classic card with a 300 dollar limit. I have also read reviews of this card on other websites and they havnt been pleasant. Does anyone with this card give me some insight on what to expect. I hope I havnt made a mistake. Its my first card and my score is 523 so I am pretty limited on choices. Thanks "

pimptech at 9:36 pm Mar 12

accepted with deposited of 200 dollars , how does a secured card work since i have to deposit money? , do i buy stuff and it gets auto payed if it was like a debit/check card? "

henrylalfons at 9:22 pm Mar 11

The security deposit secures your credit line. As you spend, you will be billed for the spend and you must pay it off like a regular card. If you default, your security deposit will be used to pay the balance. If you have no balance and decide you don't want the card, your security deposit will be refunded. So in some ways it is like a debt card. The biggest difference is that a secured credit card will report to the credit bureaus which can help build your credit score if you are using it wisely. For the most part, debt cards do not report credit bureaus.

CK Moderator

if i buy something can i use the 200 dollar deposit? or is that just for a safety net if i cant make a payment? "

henrylalfons at 9:48 pm Mar 11

It is the safety net. If you buy something, you will get a bill for it and have ~30 days to pay it off just like a credit card.

CK Moderator

So can I just not make payments so I can use the deposit "

henrylalfons at 6:48 am Mar 12

Approved for Unsecured Platinum Card with $300 limit. I am so excited!! "

Crewsk at 11:59 am Mar 11

Hi, I was wondering how long it takes to actually get your card? I mailed my application almost 3 weeks ago and have not heard anything. I appreciate any insight you can give. Thanks! "

Dizexhaled at 5:15 pm Mar 8

I applied over the phone and it took about three weeks for the card to get to the house. You could try to call them or go to their web site and check the status of your account. "

nategeil at 6:43 pm Mar 8

Thanks, I called them today at 800-395-2120. I was told my application was not showing yet. the representative said that the applications are entered by hand and that it may take up to 30 days. she also mentioned that they had more applications than usual to enter right now. I was told information would be sent out once entered or I could feel free to call back to check my status. thanks for your help! :-) "

Dizexhaled at 5:29 pm Mar 9

Your welcome you can also check the status anytime on their website "

nategeil at 10:04 pm Mar 9

denied 518 "

rallen26 at 5:09 pm Mar 6

I recently got this card - when do they start reporting to the credit bureaus and which ones do they report to? thanks! "

retrolady at 8:53 am Mar 4

Generally within 30 days.

CK Moderator

transunion, equifax, experian...all of them "

killowatt at 10:54 pm Mar 5

$300-$500 credit limit is insane given that you have to pay them for the privilege of borrowing money at loan shark rates. Your better off using a debit card and you wont get in trouble. "

evw1959 at 1:07 pm Mar 3

You don't have to pay any interest if you don't carry a balance. Debit cards are great and a responsible way to use money. The downside is that it does not help build your credit.

CK Moderator

Comment On This Offer

Credit Score Approval Data

Ideal for those with Poor Credit:

591

AVERAGE Credit Score Approved for this Card

507

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.