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Orchard Bank Classic MasterCards

Offered by: Orchard Bank

251 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

(251 Total Comments)

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

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

Approved with 641 "

$300 Unsecured "

jabres at 12:45 pm Mar 3

Hi all, first off, thanks for the website and all you valuable commentators! Current scores: Exp624/TU611/Equi-unknown I don't want small credit lines so, no, not going for a regular bad-credit-unsecured card at this time for just a $300-$500 limit. I'm planning to open a "secured" account with Public Savings Bank because, I cannot with "HSBC/Orchard, First Premier and a few others." I was planning on opening the account with $200, then increasing the limit by at least $200 a month. Will that be noticed on credit report by companies, if they run a credit report on me let's say at the $800 credit line and see I started at 200 and increased it monthly? Also, does Public Savings really report "unsecured" as they claim? I saw "Ultra VX Visa Card up to $25,000. . Yes, I'm working on negotiating the collection accounts so, I know that will help some. :) Also, should you really not charge more than 10, 20 or 50% even if you pay in full at the end of the month? If I'm 90% hitting the card month after month and paying it in full, that's still not good? TYVM for any/all good/great input. I promise to update results. :) "

NJChas at 1:46 am Feb 25

Just received card in the mail today. Signed up for online bill pay. $300 limit. With a $74 charge for yearly fee already on it. Paid that. Now all i have to do is sit back and watch my ck score increase. I do believe yearly fee is a little steep along with almost 20% APR. But if its all i can get to start having great credit I will take it. "

nategeil at 7:36 pm Mar 2

quick question read a comment stating i can buy gas one day then pay it off next day , will that really raise my credit ? or isntead of buying 20 dollar gas should i just buy something like thats 100 and pay off monthly payments or right away .. kinda confused on best way to build credit , mines at 608 and i did the simulator stating if i pay off my current debt it'll go to 690 in which im planning to do in few weeks "

henrylalfons at 9:22 pm Feb 22

As long as you pay off your existing debt, your score should go up. It's best to pay off your balances monthly. You can use as little as $20 a month, pay it, and it should be fine. Creditors want to see your payment history

CK Moderator

I built my credit up making small payments to 608, and im going to pay my debt all off in a few weeks to raise it to the simulated score of 690 , after that im going to open up this credit card which states it builds credit that i simulated with a limit of 500 to lower my score by 6 points to 684 but make payments to raise up even higher , does this sound good? "

henrylalfons at 1:15 am Feb 25

That sounds like a good plan

CK Moderator

You have to have patience with this offer. I submitted my application. I was immediately charged the $19 processing fee. Then when I actually did the full application it came back denied. I kept going to their website to check on the status and I read all the comments here. I found a phone number (which I don't have, but it's in other comments). I called it and it said that my status was denied. I called back like a week later and spoke with a person and she verified that I was actually accepted and my card should arrive in about 3 weeks. My credit karma score was in the mid 500's I believe. "

After about another week, the website status shows that I've been approved for $300 and I have a $74 (or $79?) processing fee (which the lady verified the week before). I think the important thing is to call back about a week or two after you've been denied. The exact SAME thing happened to my co-worker and she just had to call that number and verify some personal data and she got her card about 3 weeks later. Again...look for that number in older posts. Website is for status updates: https://www.hsbcapply.com/status/orchardbank "

mittens71671 at 12:31 pm Feb 22

Technical Support at 1 (877) 277-0948 6:00am to 5:00pm PT Monday-Friday. I dont use checks. So I had to call this number and speak to a customer service rep and apply over the phone using my debit card to pay for the $19. I have a ck score mid 500's as well and was approved for $300 limit. I believe that is the going rate for limited credit folks like myself. The rep also told me to call back in 6 to 9 months from the time I active the card and ask for a credit increase with on time payments. "

nategeil at 11:54 pm Feb 22

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.