Orchard Bank Classic MasterCard®

Orchard_silver_ns The Orchard Bank Classic MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card.
Although the card can help those with a limited credit history, it does have several costly factors that should be considered before applying.
The annual fee and the application fee are both $49, which, in both cases, is about average for this type of credit card. In total, the cardholder can expect to pay $98 in the first year. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months.
This card also offers common cardholder benefits such as emergency card replacement, lost and stolen card reporting, and no liability for unauthorized transactions.
Therefore, those who may occasionally carry a balance and do not mind paying the additional fees will benefit most from what the Orchard Bank Classic MasterCard® has to offer.
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Type of card: Credit_repair
Introductory apr rate description: 0% APR for 6 Months
Introductory apr months: 6
Fee: $49.00
Best: Reports to credit bureaus; average APR for purchases.
Worst: Annual fee.
Perks: Various Internet account related services. Emergency card replacement. Emergency cash replacement. Lost and stolen card reporting. No liability for unauthorized transactions. Choice of payment due dates. See website for additional benefits.
Notations: See website for complete terms and conditions of card usage and application disclosure.
Additional description:
  • Receive MasterCard® Privileges and Benefits
  • Reports to All 3 Credit Bureaus Monthly
  • Free Online 24-Hour Account Access and Bill Pay
  • Periodic Credit Limit Increases

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