| There are few more stressful things than
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| | service. The Platinum MasterCard has a
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| dealing with dinged credit. Millions of
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| | $39-$59 annual fee based on credit
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| Americans have experience with it, so
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| | worthiness. The Platinum card has the
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| there is a large pool of experience and
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| | most (relatively) stringent credit
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| options to draw from. The important thing
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| | history requirements of these four cards.
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| to realize is that if you are determined
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| | The Orchard Bank Gold MasterCard - The
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| to repair your credit, the right tools
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| | Orchard Bank Gold MasterCard extremely
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| are available to help you. One option is
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| | similar to it's Platinum cousin. With a
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| The Orchard Bank MasterCard.
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| | maximum initial credit line of $1000, the
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| What to Expect in General
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| | Gold MasterCard has the same features,
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| There is no "one-size-fits-all"
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| | but a slightly higher annual fee of $79,
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| explanation for choosing credit cards to
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| | and a processing fee of $19. As far as
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| fix up your FICO score. There are,
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| | relative strictness goes, the credit
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| however, a few general expectations
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| | guidelines for the Gold card fall in the
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| across the category. Whether it is true
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| | middle of Orchard's lineup.
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| or not, credit vendors consider lower
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| | The Orchard Bank Silver MasterCard - You
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| FICO scores as higher risk. That pretty
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| | guessed it: Silver. It's the logical next
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| much means two things: higher interest
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| | step. And just like the Gold and Platinum
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| rates and lower credit limits.
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| | MasterCard, the Silver offers all of the
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| You can expect to see that for at least
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| | same features, albeit with a $49 annual
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| the first year of the rebuilding process.
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| | fee in addition to a $49 process fee. We
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| Initial credit limits will be anywhere
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| | expect to see more approvals on the
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| from $250 to $1000, most likely somewhere
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| | Silver, but probably with higher interest
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| toward the middle or lower end. The third
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| | rates and lower limits.
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| feature to expect from this category,
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| | The Orchard Bank Secured MasterCard - The
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| including Orchard's cards, is an annual
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| | Secured card is the bedrock of rebuilding
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| fee in addition to precessing fees. These
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| | bad credit. If you have trouble getting
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| fees are one of a few ways that banks
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| | approved for the other offers, the this
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| mitigates the risk of default.
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| | is the way to go. Secured cards, as the
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| What to Expect from Orchard
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| | name implies, require a security deposit
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| Orchard Bank, a branch of credit giant
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| | prior to usage. Typically companies,
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| HSBC, has an industry-wide reputation as
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| | including Orchard Bank, will ask for
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| a "go-to" card for those seeking to
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| | 100%-200% of the desired credit limit
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| repair their credit. Orchard Bank offers
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| | upon approval. The Orchard Bank Secured
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| a few features across its credit card
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| | cards look and act just like a regular
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| products. Firstly, they promise an offer
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| | credit card, and with time, can lead to
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| after the application process. While that
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| | unsecured cards with increased limits.
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| may not mean an unsecured card, they do
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| | In general, all Orchard Bank cards share
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| have relaxed approval restrictions to get
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| | some common features. If you stay on top
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| almost everybody started. They offer an
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| | of your payments and refuse to let
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| array of cards with different levels of
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| | yourself get behind, then these cards
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| obligations and credit requirements. Here
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| | will help you rebuild your credit; they
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| are their primary offerings:
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| | do so by reporting to the three major
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| The Orchard Bank Platinum MasterCard - As
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| | credit bureaus every thirty days. This
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| the "Platinum" moniker might suggest,
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| | gives you an opportunity to show that you
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| this is the top of the line option from
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| | can handle credit card debt. These cards
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| Orchard. The Platinum MasterCard comes
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| | are accepted at over 22 million
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| with every feature somebody recovering
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| | locations, and can get you a cash advance
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| from bad credit could hope for. The
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| | on over 770 thousand ATMs. Since it's
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| Platinum MasterCard will offer a slightly
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| | inception, HSBC has helped over 2 million
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| higher credit limit and lower interest
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| | Americans take the first step toward
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| rate for its users, and nice features
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| | rebuilding their credit.
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| like hotel reservation and car rental
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|
