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Orchard Bank® Visa® Cards |
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Issued by HSBC Bank Nevada, N.A.
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| View other Poor Credit cards
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The past, especially when it comes to your credit history, can oftentimes be difficult to keep behind you. Over 2 million people, however, have managed to make their bad credit history a thing of the past. HSBC Bank Nevada, N.A., with its relaxed credit criteria and impressive catalog of low cost credit cards for people with a bad credit history, has helped people from all walks of life establish or re-establish their credit.
Used intelligently, all four Orchard Bank® Visa® Cards for poor credit history can change your future. With these poor credit history credit cards on your side, you can give your poor credit standing a face lift, make a new name for yourself, and start afresh.
Enjoy the Prestige the Orchard Bank® Platinum Visa® Even with Your Poor Credit History
This bad credit history credit card, if used correctly, can help you regain your past, with little or no problems, if you use your card responsibly. There's no application fee and there is no participation fee to be bothered with every month. All you'll have to think about is the annual fee that will either be $39 or $59 depending on your credit history.
Get This In Your Wallet: The Orchard Bank® Gold Visa®
The Orchard Bank® Gold Visa® is neither a prepaid nor a secured card. Rather, this poor credit history credit card is a traditional credit card with sensible fees. It has an annual fee of $49 the first year, and $59 per year thereafter. There is also an account processing fee of $19.
The Orchard Bank® Standard Visa® Isn't Your Typical Credit Card
To open an Orchard Bank® Standard Visa® account, you'll need a savings account to serve as collateral – a common requirement of secured credit cards. The minimum deposit is $200. The annual fee for the first year is $29 and then $59 per year thereafter, and there is a processing fee of $39. Compared to other poor credit history credit cards, though, your dues actually come out to be pretty low, as some other poor credit history credit cards charge in the hundreds just to start you off.
Typically, people with poor credit don't get to enjoy credit card benefits, but this isn't your typical credit card. Accountholders will enjoy credit card benefits, at no additional cost. Some of these benefits include fraud protection services, emergency cash/card replacement, and online account access to manage your account.
What Makes the Orchard Bank® Secured Visa® Different From Other Secured Credit Cards
This secured credit card won't charge you an arm or a leg to get you going. You won't have to pay an application fee and the $35 annual fee will be waived the first year of membership.
It'll be important to pay your bill by your due date because there are fees associated with going over-the-limit and for making late payments. PS: Your grace period is 25 days – that's five more days than most other secured credit cards give their members so keeping to your due date shouldn't prove to be such a big task.
The Benefits of Being with Orchard
While the Orchard Bank® Standard Visa® comes with extra benefits, you should know that all the featured cards under the Orchard Bank® Visa® Cards umbrella come with some benefits that are standard across the board.
You'll be able to make purchases at millions of locations world and Internet wide. You'll also have access to all your account activity and electronic alerts (when you enroll online) about your upcoming due date – all to put you in charge of building or rebuilding your financial future. What's more is that all account activity for all four cards are reported to the three major credit bureaus.
Which of These Orchard Bank® Visa® Cards Is the Right Poor Credit History Card for You?
The annual fees for these cards can range from $35 up to $59, depending on your credit rating. The APR will also be assigned based on an evaluation of your credit history and can range from reasonably low to high. None of the cards offer a reward program, and all credit limits, where applicable, are based on your credit history. All cash advance transactions have a minimum APR cap which means that the interest rate will not go below that predetermined rate no matter how low the Prime Rate falls.
If you're ready to get the ball moving on becoming credit healthy, you'll find one of the Orchard Bank® Visa® Cards as some much needed medicine.
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| Updated: November-11-11 |
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| Most Attractive Feature(s): Reports to credit bureaus; additional cardholder benefits. |
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| Least Attractive Feature(s): Annual fees; processing fees. |
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| See website for additional benefits. |
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| Note: The review of this card was updated on November-11-11. The review is believed
to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully
read the Terms and Conditions statement that accompanies the Poor Credit card application. |
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