Credit Card Reviews ~ Bad Credit Credit Cards


Orchard Bank Platinum MasterCard Review

Orchard Bank Platinum MasterCard®
The Orchard Bank Platinum MasterCard® has been specifically designed for those with limited credit history or those who suffered a bad credit who don’t want to secure a credit card account with collateral or a deposit which is mandatory with secured credit cards. If you think you cannot get an unsecured credit card because of your bad credit history, then this one will help you to rebuild your credit.

The Orchard Bank Platinum MasterCard helps out people that are just starting to establish credit, people who are trying to rebuild their credit history or those people who want to build up their credit status.

There are factors that you need to consider first before applying. There is an application fee but it depends on the applicant’s credit history that will range from $39 to $89, which is the average for this type of credit card. On the other hand, there is no application fee and the interest rate is very low for this type of card. In total, the cardholder can expect to pay $39-$89 in the first year.

 

Cardholder Benefit/s:

  • Lost and stolen card reporting
  • No liability for unauthorized transactions.
  • 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.

 

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.

Note: We suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application since the information may have changed since the review is written.

Reviewed on December 1, 2006

 

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About the Author

Liz Roberts is a freelance writer and loan consultant. The website BadCreditResources.com offers resources that specialize in providing loans and credit cards to people with bad credit.