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Credit Card Reviews » Orchard Bank Platinum MasterCard® |
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In-Depth Credit Card Review: |
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The Orchard Bank Platinum MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card.
This card can help those with a limited credit history, but there are several factors that should be considered before applying.
There is an annual fee that is dependent on the applicant's credit history and will range from $39 to $89, which is about average for this type of credit card. However, there is no application fee associated with this card, and the interest rate is average for this type of card. In total, the cardholder can expect to pay from $24 to $69 in the first year.
This card also offers common cardholder benefits such as purchase protection, lost and stolen card reporting, and no liability for unauthorized transactions. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months.
Therefore, those who do not mind paying the average annual fee and would like the option to occasionally carry a balance will benefit most from what the Orchard Bank Platinum MasterCard® has to offer.
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| (Review Updated: December 28, 2007) |
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n/a Intro APR (* see notes for details)
8.9% Regular Variable APR for Purchases
20.9% Regular Variable APR for Cash Advances |
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25 days Grace Period / Bad Credit OK |
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| Finance Configuration: Average Daily Balance (including new purchases) |
| Additional Cardholders: $0 |
| Late Payment Fee: $30 on balances up to $1,000; $35 on balances over $1,000 |
| Over-The-Limit Fee: $30 |
| Cash Advance Fee: Greater of 5% or $5 |
| Balance Transfer Fee: n/a |
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| Minimum Credit Limit: see terms |
| Maximum Credit Limit: see terms |
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| Type of Reward: None |
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| Additional Features for Orchard Bank Platinum MasterCard®: |
Various Internet account related services.
Purchase protection.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
No liability for unauthorized transactions.
Choice of payment due dates.
See website for additional benefits. |
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| Important Notes for Orchard Bank Platinum MasterCard®: |
***The total fees for the first year will vary from $24 to $69 depending on the applicant's prior credit history.
See website for complete terms and conditions of card usage and application disclosure.
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| Notes: The review on Orchard Bank Platinum MasterCard® was updated on December 28, 2007. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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