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Review of the Orchard Bank Classic MasterCards and Orchard Bank Visa Cards

The Orchard Bank Classic MasterCards and Orchard Bank Visa Cards was last reviewed on 18th July 2010

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Orchard Bank Classic MasterCards - Island

Summary - We highly recommend the Orchard Bank Classic MasterCards or the Orchard Bank Visa Cards (both have same features) to those who have no credit or poor credit and for those who are recovering from bankruptcy filing. Orchard Bank is now part of HSBC Bank, one of the largest and most reputable bank. Unlike other sub-prime credit cards, Orchard Bank screens your credit, and approves you for a card that matches your credit history. If your credit is really poor, then you are likely to be approved for a secured credit card. Unlike other sub-prime credit cards, Orchard Bank has very reasonable fees unlike the obscene fees charged by other issuers.

Different Fees and Rates Depending on Your Credit - When you apply for the Orchard Bank Classic MasterCards, your credit will be checked and based on that, you may be approved for either a secured credit card or an unsecured credit card, with different terms and conditions which will be disclosed to you before your application is processed. Compared to other sub-prime credit cards, Orchard Bank has the most reasonable rates and fees. Below is a screen shot of their fees and the different cards you may be approved.

orchard bank landing page

Credit Bureau Reporting - Another great feature about this card is that it reports to the three major credit bureaus and hence will help you to improve your credit score (if you pay on time and do not go over your credit limit).

Verdict - If you have no credit, bad credit or have just been discharged from bankruptcy, the Orchard Bank Classic MasterCards is the card that we recommend. Most credit cards targeted at those with poor credit have high fees and cost like annual fees, application and processing fees. The Orchard Bank Classic MasterCards has more reasonable fees than most other sub-prime credit cards. It is also issued by one of the largest and most reputable bank. This is very important because having credit from "mainstream banks" is very important in building or rebuilding your credit.

For those of you who want a Visa rather than a MasterCard, Orchard Bank also offers their Orchard Bank Visa Cards

This card also comes in various designs (for those of you who are picky about this)

Orchard Bank's Application Page - Below are some screen shots of the application page and what you should do when you click on the Orchard Bank links on this page. The first page is shown below. You have to click the apply button to proceed. orchard bank landing page

Clicking on the apply button takes you to the page where you have to fill in your details.

orchard bank landing page

There is also a button where you can click and get detailed comparisons on the different cards that may be offered to you.

orchard bank landing page

Positives

Reasonable fees

Reports to 3 major credit bureaus

Apply for the Orchard Bank Classic MasterCard

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Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.

Disclaimer 2: Though we may be affiliated with some credit card issuers, our credit cards reviews and the content on this site is written solely by us and are not influenced in any shape or form by any credit card issuers. In fact, any content here is copyrighted and cannot be reproduced elsewhere without permission. Though we make every attempt to make sure that our content is up to date. But please always check the terms and conditions for the most updated information since things like APR change fairly often.

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*See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. *See the online application for details.