Here are a few exclusive badges for you to display on your blog, facebook page, etc.
Click on them for an embed code to cut and paste.
Here are a few exclusive badges for you to display on your blog, facebook page, etc.
Click on them for an embed code to cut and paste.
The Orchard Bank Classic Card works on the MasterCard network and is primarily intended for consumers who have a limited or blemished credit history. This credit card is a secured card that requires you to make a deposit into your account in order to use the card.
The regular interest rate for purchases made with this card…
is 15.99% variable APR. The customary rate applied to balance tranfers to this card is 15.99% variable APR. The regular interest rate for cash advances made with this card is 20.9% variable APR. Please note that all of the above rates may be replaced with the current default rate of 29.49% APR upon any of the following events: 1 late payment in 12 billing cycles or over credit limit in 12 billing cycles.
The Orchard Bank Classic Card has an annual fee of $79.00. For balance transfers to this card, you will incur a transaction fee of 5% (minimum of $5.00). If you use this credit card for cash advances, the applicable fee is 5% (minimum of $20.00).
The Orchard Bank Classic Card also includes a number of addititional benefits such as the following: acceptance at millions of locations worldwide including website purchases and reservations; choose your own payment due date; 100% fraud liability protection; reminder regarding available balance and due; manage your account online; online bill pay at no charge.
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| Estimated Rates | Introductory APR | Regular APR |
|---|---|---|
| Purchase rate* | N/A |
15.99% (variable)
|
| Balance transfer rate* | N/A |
15.99% (variable)
|
| Cash advance rate* | N/A |
20.9% (variable)
|
| Default rate* | N/A |
29.49% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
15.99% (variable)
|
| Balance transfer rate* | N/A |
15.99% (variable)
|
| Cash advance rate* | N/A |
20.9% (variable)
|
| Default rate* | N/A |
29.49% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
14.47% (variable)
|
| Balance transfer rate* | N/A |
14.47% (variable)
|
| Cash advance rate* | N/A |
20.9% (variable)
|
| Default rate* | N/A |
29.49% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
12.34% (variable)
|
| Balance transfer rate* | N/A |
12.34% (variable)
|
| Cash advance rate* | N/A |
20.9% (variable)
|
| Default rate* | N/A |
29.49% (variable)
|
| Estimated Rates | Introductory APR | Regular APR |
| Purchase rate* | N/A |
11.12% (variable)
|
| Balance transfer rate* | N/A |
11.12% (variable)
|
| Cash advance rate* | N/A |
20.9% (variable)
|
| Default rate* | N/A |
29.49% (variable)
|
| Fees | ||
| Annual Fee* | $79.00 | |
| Balance transfer fee* | 5% (minimum of $5.00) | |
| Cash advance fee* |
$0.00[Over the counter] 5% (minimum of $10.00)[Via balance transfers] 5% (minimum of $5.00) $0.00[Through others] 5% (minimum of $20.00)[Through ATM] |
|
| Foreign currency fee* | 3% | |
| Min finance charge* | $1.00 | |
| Fees | ||
| Balance transfer fee* | 5% (minimum of $5.00) | |
| Cash advance fee* |
$0.00[Over the counter] 5% (minimum of $10.00)[Via balance transfers] 5% (minimum of $5.00) $0.00[Through others] 5% (minimum of $20.00)[Through ATM] |
|
| Foreign currency fee* | 3% | |
| Min finance charge* | $1.00 | |
| Fees | ||
| Balance transfer fee* | 5% (minimum of $5.00) | |
| Cash advance fee* |
$0.00[Over the counter] 5% (minimum of $10.00)[Via balance transfers] 5% (minimum of $5.00) $0.00[Through others] 5% (minimum of $20.00)[Through ATM] |
|
| Foreign currency fee* | 3% | |
| Min finance charge* | $1.00 | |
| Fees | ||
| Balance transfer fee* | 5% (minimum of $5.00) | |
| Cash advance fee* |
$0.00[Over the counter] 5% (minimum of $10.00)[Via balance transfers] 5% (minimum of $5.00) $0.00[Through others] 5% (minimum of $20.00)[Through ATM] |
|
| Foreign currency fee* | 3% | |
| Min finance charge* | $1.00 | |
| Fees | ||
| Balance transfer fee* | 5% (minimum of $5.00) | |
| Cash advance fee* |
$0.00[Over the counter] 5% (minimum of $10.00)[Via balance transfers] 5% (minimum of $5.00) $0.00[Through others] 5% (minimum of $20.00)[Through ATM] |
|
| Foreign currency fee* | 3% | |
| Min finance charge* | $1.00 | |
| Card Features | |
|---|---|
| Category | Consumer |
| Network | MasterCard |
| Min Credit Level | Bad (619 or less) |
| Instant Approval | No |
| No Annual Fee | No |
| Rewards Program | No |
| Universal Default | Yes |
| Revolving Credit | Yes |
| Secured Card | Yes |
| Card Benefits | |
| Acceptance at millions of locations worldwide including website purchases and reservations | |
| Choose your own payment due date | |
| 100% fraud liability protection | |
| Reminder regarding available balance and due | |
| Manage Your Account Online | |
| Online bill pay at no charge | |
| How does this card comply? | |
|---|---|
| Protection from arbitrary rate increases | |
| The right to have rates reviewed and reduced | |
| Fair allocation of payments | |
| No universal default | |
| No double-cycle billing | |
| No fees for paying your bill | |
| Protection from due date gimmicks | |
| Enough time to pay your bill | |
| Education on dangers of minimum payments | |
| Protection of young cardholders | |
