Orchard Bank Credit Card

Orchard Bank determines which card is best suited to your financial needs and budget when you apply. Some cards have annual fees; others do not. Interest rates also vary depending on which card you receive. When you apply, you can review the offer made to you and decide if it is the best choice for you.

Orchard Bank Credit Card Features

• Regular reviews of spending and payment patterns to determine eligibility for credit limit increases
• Reports to all three credit bureaus monthly
• Choice of payment due dates
• Cards specifically designed for those with poor credit histories
• Rush online payment (Orchard Bank pay credit card online payment credited to your account the same day), with an additional fee

The Orchard Bank credit card also offers the standard features for most credit cards, including free online bill payment, the ability to challenge unauthorized charges to your account, online requests for credit limit increases, and the ability to change account information or add new authorized users online.

Credit History

The Orchard Bank credit card is a strong candidate for those seeking to build a credit history because it reports to all three major credit bureaus (Equifax, Experian, TransUnion) monthly, which means you'll get more entries in your credit history, establishing a record of your payment habits. However, if you aren't sure about your ability to pay your bills on time, this could be a concern. If you do already have a poor credit history, they do have cards with fairly low credit criteria, so an Orchard Bank credit card can be useful for rebuilding a credit history as well.

Orchard Bank Credit Card Application

In order to apply, you must live in the United States and be of legal age in your state of residency; own a telephone in your residence; and have a valid Social Security number. For an unsecured credit card, you must have an annual income of at least $12,000, which is approximately the equivalent of a full-time job paying $6.00 per hour. For a secured Orchard Bank credit card, the minimum amount in the securing bank account is $200, and the maximum secured amount is $15,000.

You can use Orchard Bank Credit Card apply for online. If accepted, you will usually receive your card within ten working days.

Additional Offers

Like most credit cards, the Orchard Bank credit card makes several offers available through its parent bank, HSBC, and through partnerships with retailers. These, like any offer, vary from time to time, but usually include special rates for banking, such as:

• Car loans
• Checking and savings accounts
• Mortgages
• Home equity loans
• Car, life, and home insurance
• Special discounts or special offers from online retailers

Affiliate Program

If you have a website, you may be able to join the Orchard Bank credit card affiliate program and earn commissions for those you successfully refer. You can get more information online.