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Orchard Bank Classic MasterCards are issued by HSBC Bank Nevada, N.A. are a trio of cards that offer applicants with limited credit histories the opportunity to establish better credit*. Applicants of this offer are eleigible for any one of the following four cards, depending on their credit history.

The Orchard Bank Platinum MasterCard® is ideal for applicants who want a credit card to help their credit history, but without the requirement of a security deposit. The annual fee depends on the applicant's credit history and may range from $39-$59. There is no annual fee and the interest rate is average for this type of card.

Another member of Orchard Bank's Classic MasterCards profile is the Orchard Bank Secured MasterCard®. The major benefit of this card is the reasonable $35 annual fee, which is waived for the first year of cardmembership. The deposit for this secured card earns interest annually and the card provides additional cardholder benefits which is unusual for a secured credit card.

The Orchard Bank Classic MasterCard® is another offer. This card has a 0% introductory rate available on purchases for the first six months. Both the annual fee and the application fee are $49. In the first year alone, cardholders can expect to pay $98.

Finally, the Orchard Bank Gold MasterCard® offeres a 0% introductory rate that applies to purchases and balance transfers made within the first six months of establishing an account. The annual fee is based on a review of the applicant's credit history and will range from $0 to $79. Also, applicants should expect to pay a $19 account processing fee.

These cards share common benefits including credit bureau reporting, 24-hour customer service assistance, online account access, and periodic credit limit increases for those who qualify.

Those in need of a credit card that can possibly improve creditworthiness in exchange for the out of pocket costs of additional fees may find one of the Orchard Bank Classic MasterCards to be a good fit.

*It is HSBC's 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, which may not include a 0% Introductory APR, and with different terms and conditions which will be disclosed before your application is processed.

Type of card: Credit_repair

Introductory apr rate description: 0% APR for 6 Months for Qualifying Applicants

Introductory apr months: 6

Fee: $0.00

Best: Reports to credit bureaus; additional cardholder benefits

Worst: Annual fees

Perks: *The minimum APR cap for cash advances is 20.90%. See website for additional benefits.

Notations: See website for complete terms and conditions of card usage and application disclosure.

Additional description:

• 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
• E-mail and Text Messages to Remind You of Your Upcoming Payment Due Date With Online Enrollment