Orchard Bank Silver MasterCard®, Editor Reviewed at CompareCards.com

Orchard Bank Classic MasterCards

Editor's Rating: 7.0
Consumer Rating: (8 ratings) 7.4

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Intro APR:	0%
Regular APR:	7.90% - 15.99%
Annual Fee:	$0 - $79

Intro Period:	6 months
Balance Transfer:	Yes*
Credit Needed:	Bad

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0% Introductory APR for 6 months on purchases and balance transfers, for qualified applicants*
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

EDITORS' RATINGS OVERALL SCORE

7.0

Overall

The Bottom-Line

For anyone who has found themselves in a bad credit situation, this credit card can help you get back on track and start working toward rebuilding good credit.

The Good

Individuals with no credit history or bad credit history can qualify. Because this card reports monthly to major credit bureaus, it can actually help to repair negative credit scores.

The Not So Good

Default fees and regular interest rates can be high.

CARD DESCRIPTION

The Orchard Bank Classic MasterCard® is a credit repair card that can be used for purchases any where MasterCard® is accepted. It’s specifically designed for those with no credit or a bad credit history and because it reports monthly to the major credit bureaus, on time payments will actually serve to improve credit scores.

Due to the fact that it is a credit repair card you can qualify for it even with bad credit or no credit at all. However, you can expect that the regular interest rates and the default fees will be higher than credit cards for good credit. The Orchard Bank Silver MasterCard is accepted worldwide and you can even make online purchases and reservations with this card.

It is easy to manage your account because the information is updated twenty-four hours a day, seven days a week and you have full access. If you enroll you will even receive text messages and email reminders so you will not forget about any of your payments. If you have had financial problems in the past and have a bad credit history as a result, then the Orchard Bank Silver MasterCard can help you restore your credit and get back on the right track.

Read Customer Reviews (Last Reviewed: Aug 03, 2008)

DETAILED EDITORS' RATINGS

7.0

Benefits

Helps to repair negative credit history by reporting to major credit bureaus. Zero liability fraud protection and online account management.

7.0

Fees

$49 annual fee;

7.0

Regular APR

14.40%