ORCHARD BANK VISA CREDIT REVIEW
Orchard Bank Visa Credit - Poor Credit Rating Card
(Which Way To Pay - 4/1/2011)
The Orchard Bank Visa Cards are designed for people seeking to rebuild their credit. They come with great benefits that fit the needs of managing an account easily. This card is accepted at millions of locations, and can be used for website purchases and reservations. You can maintain your account online anytime of the day using Account Management Tools.
You can also use a standard Online Bill Pay at no charge, no matter how often you use it. It is possible to request email or text message alerts to remind you of your available balance and upcoming payment due date with online enrollment. You also have the opportunity to build your credit score each month; and Orchard Bank report to all 3 major credit bureaus.
With this card you will also receive 100% Fraud Liability Protection you can set your own personal customized spending alerts.
Variable APRs will vary with the market based on the Prime Rate. Rates are accurate as of 12/16/10. The variable Purchase APR is either 14.90% or 19.90%, based on your creditworthiness. The variable Balance Transfer APR is either 14.90% or 19.90%, based on your creditworthiness, and applies to balance transfers and credit card checks, unless otherwise disclosed. The variable Cash APR is 20.90%. Your APRs may increase to the Penalty APR if you fail to make a minimum payment to us when due. The variable Penalty APR is 29.49%. A Balance Transfer Fee of 5% ($5 minimum) will apply to balance transfers and credit card checks, if available, unless otherwise disclosed. A Cash Advance Fee of 5% ($5 minimum) will apply to cash advances. The Minimum Interest Charge is $1.00. An Annual Fee between $29 and $59 for the first year and between $39 and $59 per year thereafter, and a one-time Processing Fee between $0 and $39 will apply, based on your creditworthiness. The Foreign Transaction Fee is 3% of the U.S. dollar amount on transactions made in a foreign currency.

Orchard Bank Visa Credit is ranked 3 out of 5. Based on 1 review.

3 Star Rating
    
REVIEW RATINGS EXPLAINED
1 Star: 1 Star RatingPoor
In relation to other products, has performed badly and has little or no worthwhile benefits.
2 Stars: 2 Star RatingBelow Average
Has some features of value, but in comparison to others performs below standard.
3 Stars: 3 Star RatingAverage
A fair product with regards to its competitors - has no outstanding features or benefits.
4 Stars: 4 Star RatingGood
In comparison to other products performs above standard, has beneficial features.
5 Stars: 5 Star RatingExcellent
Performs well above standard in comparison, has exceptional features and benefits.

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