Navigation: Home > Challenged or No Credit > Orchard Bank Visa Cards

Credit Needed - Poor Credit

Annual Fee - $See Terms

Introductory APR -

Purchases - N/A

Balance Transfers - N/A

Standard APR -

7.90% (V)* - 28.90% Variable

Grace Period - See Terms

Rewards - None

Target Audience - Consumer

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Orchard Bank Visa Cards

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This Visa offer is issued by HSBC Bank. This card is targeted for people who will use this card for personal use with poor or limited to no credit histories. They may expect to see recent negative entries or no credit history at all.. Keeping in mind that APR's can be different from person to person, the lowest APR for this offer is 7.90%* and may be up to 28.90%*, your credit score and other factors will determine this.*.

Rate Information:

The lowest APR rate of 7.90%* could be applied instantly, since there is no introductory APR for this offer.

Regular APR: The lowest available APR of 7.90%* can fluctuate with this card, it is variable. A Variable(V) APR means that the interest rate may change based on the U.S. prime rates.

Annual Fee Note: The card issuer has asked us not to discuss the annual fee for this card offer. Please see the credit card highlights for further details.

Card Offer Incentives -

This is not a rewards card. However, rewards may not be as important to you personally as a low rate of 7.90%*. If you carry a balance the interest paid could far out weigh a reward.

Credit Card Perks:
The Orchard Bank Visa Cards has additional credit card perks included* for being a card holder. These additonal card benefits normally require you to make the full purchase with the credit card. Please review the programs terms and conditions for exact details on the benefits below.

Fraud Protection

Credit Card Highlights:

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Acceptance at millions of locations including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

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.

Apply Now for the Orchard Bank Visa Cards

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* Please see the credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty.

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