Orchard Bank® Visa® Cards

You can be pre-approved for an Orchard Bank Visa with simply a proof of employment. After a quick online application, you can have a new card within 3 days. Interest rates are slightly higher than standard cards, but this bank specializes in credit repair, so it's a price that is worth paying, since approvals are harder to come by.

	Intro APR  APR Annual Fee  N/A* 14.90%-19.90%, or 7.90%* See terms*
Basic Information
Issuer:	HSBC Bank
Card Network:	VISA®
Card Category:	Consumer (Regular)
Card Type:	- Card for Bad Credit - Instant Decision Card - Low Interest Credit Card
Credit Needed:	Bad Credit OK*
Top Card Review
Orchard Bank Visa cards were developed with one particular goal: to help you rebuild your credit. There are many flexible options available that will aid you no matter where you are in the rebuilding process. Secured cards offer the lowest APR, but require a standard $200 deposit. The standard, gold, and platinum cards all have APR's that range from average to slighlty high, depending on the quality of your credit. This means you will have the opportunity to improve your interest rate as you improve your credit. Included in the annual fee is online bill pay and Zero Fraud Liability insurance. The application is also available online, which means you could be approved and have a new card in 3 days!
Card rating:	(4 out of 5)
Most attractive features:	- Credit reporting - Visa benefits - Low APR
Least attractive features:	- Annual fee - Not all applicants will qualify for lowest APR
Top Rewards & Benefits
Other Benefits:	See Terms and Conditions of the card.
Online Card Account Access:
Credit Reporting:
Top Card Finance & Rates
Introductory APR (%):	N/A*
Introductory Period:	N/A*
APR on Purchases (%):	14.90%-19.90%, or 7.90%
APR Type:	variable
Annual Fee:	See terms*
Grace Period:	N/A*
Minimum Finance Charge:	$1.00*
Late Payment Fee:	N/A*
Top Balance Transfers
Balance Transfer:
Top Cash Advances
APR on Cash Advances (%):	29.99%
Top Other Fees
Additional Fees	Late Fee: $30 if balance is less than or equal to $1000; $35 if balance is more than $1000 Over the Credit Limit Fee: $19 if credit limit is less than or equal to $250; $30 if credit limit is more than $250 Variable Penalty APR: 29.49% Balance Transfer APR: 7.90%-19.90% Processing Fee is between $0 and $39, depending upon your creditworthiness.
Top Comments
* Annual Fee: $19 - $59 the first year, or Introductory $29 or $49 the first year, then $59 per year thereafter * Ongoing APR: 7.90-19.90% based on creditworthiness Disclosure: It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed.
Top Action
Click Here to Apply
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View Other Instant Decision Cards
View Other Low Interest Credit Cards
Apply For Orchard Bank Visa Cards Secure Online

* The information provided for Orchard Bank Visa Cards is believed to be accurate at the time of evaluation (Nov 10, 2011). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

Security Note: Online application features Secure SSL Technology.