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Orchard Bank Classic MasterCards

Offered by: Orchard Bank

390 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% - 28.90%
Balance Transfer Rate	7.90% - 28.90%
Cash Advance Rate	*
Annual Fee	See Terms*
Late Fee	See Terms*
Cash Advance Fee	See Terms*
Balance Transfer Fee	See Terms*

Orchard Bank Classic MasterCards features:

An excellent credit card for rebuilding credit scores; 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 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

390 Total Comments

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I applied for this card through CK's site. It took me to a pre-approval offer. I did the pre approval offer a few months ago and I was pre-approved for a "secured card," also the pre-approval offer only does a soft check on your credit report. After improving my score, I again applied for the pre-approved offer and this time I was pre-approved for an unsecured card with an annual fee (unlike what was stated in the CK offer which said no annual fee) The card has a very low limit of a few hundred dollars, with an annual fee that's less than a hundred dollars. The application only checked my Experian Report, which had a slightly higher score than my CK Score from TransUnion. My CK score was in the "Fair Range", and above the average score that this page says that is approved for this card. Another CK user friend of mine also applied for this card, who had a score that was very close to the average approved score for this card, and he was pre-approved for a very similar card, but his included an additional "processing fee" in addition to the annual fee. From what I read online, Orchard Bank is very likely to approve you for whatever pre-approved offer you receive, so this is a nice way to apply for a credit card without fear of dropping your score with a hard inquiry. Though if you apply after the pre-approval, it will perform a hard inquiry.

rhbsh2 1 year ago

Yes there is an annual fee. I did the card application and got approved for an unsecured card. I have a bad fico about 550 and my cl was around $300, but they required a 19 dollar processing fee and a $79 annual fee. I simply called the hotline after getting the card and threatened to cancel if they did not reduce the annual fee. they did to 39 dollars. I was amazed that with such a low score i was able to get an unsecured card

tl04sn 1 year ago

CAN SOMEBODY HELP ME ON THIS ISSUE! Fist off great site and good comments. I am trying to bring my credit score up. As of today its about 650 experian, 706 Equifax, not sure on Transunion. So I wanted to try Orchard Bank. Went through the prequalify process to get offer. (does not hard pull on your credit). I got offerd first a Platinum MC. Did not apply wanted too, cause I was a work. got busy. So then in the afternoon tried again prequalify process. But now I got offered the Gold MC. WHY! I wanted the Platinum offer. Did something change in 4 hours. Calling Orchard is like a roll of the dice. They are all stupid, got no help. CAN someone HELP ME on this PLEASE.

steelo619 1 year ago

Calling can't to hurt. I believe calling the HSBC number rather than calling the Orchard Bank one will get you US based customer service which is supposed to be a bit better.

hardeight 3 months ago

I have a FICO of 599. I haven't had any revolving accounts in a number of years and paid my only installment account off almost a year ago. Since, my credit didn't have any active accounts, my score was reduced. This bank approved me for an unsecured card where others have denied me. I wish you the best of luck in re-building your credit! BTW, even though they ask for your full SS# on their website, they intially only will do a soft inquiry on your report as a pre-approval for whatever card you may qualify for.

copperMAN 1 year ago

Just got approved for the platinum card with a cs of 645. It's been hard to find an unsecured card with a cs in the mid 600's. This was a good find and will hopefully help me get above the 700 mark. Thanks ck!

tsmiser 1 year ago

Why am I not allowed to say they denied me? They denied me! 'Guaranteed approval' is a lie when they won't even give you their basic secured card!

Elzeothis 1 year ago

We have not seen anyone denied a secured credit card before. We are looking into it because if that is the case we will remove the guaranteed language.

CK Moderator

not a good card the credit score do not mean a thing got denied with a 570 cs go orchard bank!

steady 1 year ago

So why would anyone applying for a credit card want to pay a minimum 200$ security deposit fee before getting the card? Did this happen to you when applying? Yeah, the reason I need the card is that I don't have an extra 200$ laying around. STUPID!

princessjen 1 year ago

The idea is that if you have poor credit and are serious about rebuilding it, this is a good product. Most people with poor credit won't get approved anywhere. This card will provide credit (secured credit) and report your credit line and activities to the credit bureaus. Depending on your credit, options can be quite limited.

CK Moderator

I was pre-approved for nonsecured card with a cr of 587. The card arrived today. It is a platinum card with $300 limit (no much, but I really only want it to build credit with so that is fine) and an annual fee of $59. I might try tl04sn's tactic and see if I can get the fee down, but I was pretty happy to get an unsecured card.

jkearney 1 year ago

I got this card with a 515 and $19 down my limit is 320

kdaniel620 1 year ago

Comment On This Offer

Credit Score Approval Data

Ideal for those with Poor Credit:

593

AVERAGE Credit Score Approved for this Card

492

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.