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Balance Transfer to Orchard Bank Classic MasterCard Orchard Bank Classic MasterCard®


Orchard Bank Classic MasterCard
Intro APR: 16.15%

 Issuer: HSBC Bank Nevada, N.A
The Orchard Bank Classic MasterCard® is designed for those with little or damaged credit. We've helped millions of people obtain credit – Let us help you too.

Orchard Bank Classic MasterCard®


A good product for bad credit.

Take your credit to the next level, with an Orchard Bank Silver MasterCard®. With a unique approach of educating customers on all aspects of obtaining and managing credit, the Orchard Bank MasterCard® continues today as a leader in the credit card industry.

  • Great credit card to strengthen your credit
  • Reports to all 3 credit bureaus monthly, which can help improve your credit score
  • Free Online 24-hour Account Access and Bill Pay
  • Periodic credit limit increases






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Apply for Orchard Bank Classic MasterCard®

Do you feel ensnared by your credit card debt? If so, consider the following credit card reduction methods.

It is vital that you do not incur any more debt. The way to do this is to stop or limit the use of your credit cards until you have them at a minimal balance. If you do not have the self-control to limit your spending, then it is time to shred your cards. Yes, every single one of them, so that you do not continue spending and increasing the size of your credit card debt. Of course, when you do this the only option you will have to pay for purchases is cash (if you have forgotten what cash looks like - it is green bills in various denominations).

When you are operating with cash only, you see something that you desperately want, and you notice you do not have enough cash to purchase it that is a sign that it stays in the store and not comes home with you. This is where the benefit of shredding your credit cards comes in handy. It may be difficult at first, but soon you will be glad that you are using cash for your purchases because you are moving closer to becoming debt free. If you decide that you want to keep one card for emergencies choose the one that has the lowest interest rate and do not keep it in your wallet. Put the credit card in a safe place and use it for emergencies only.

When the bills come in for your credit cards, never pay only the minimum. It is vital that you pay above this amount. If you pay only the minimum, you are making money for the credit card company. If you have several cards, you can choose to pay as much as possible on one card and the minimum on the others. When you have paid off one card, then carry over the amount you were paying to the next card. Continue this process until your credit card reduction is at zero.

Do not hesitate to contact your credit card lenders and negotiate for a lower interest rate. Ask if they have any specials that they can apply to your account. Have some figures handy that you have researched from other offers. If they are unwilling to work with you let them know you will move your balance to one of their competitors. If they want to keep you as a customer (remember you are making them money) there may be an offer they can give to you. If they are still unwilling, then apply for a credit card with a lower interest rate and transfer your balance to the credit card and then shred theirs and continue to work to paying off the debt. This way you are saving yourself money with the lower interest rate and by paying above the minimum required monthly amount.


  • Transfer your balance to Orchard Bank Classic MasterCard®

  • Your credit history says it all about you. All financial decisions are affected by this history. It tells a company whether they should consider you as a potential client or not. It is important that you understand your credit history and what it means.

    Your credit report is an open book of your financial life. It reveals all your dealings - good or otherwise. Your score which is based on this report is called the FICO score and a high FICO score ensures a good report. The three major credit bureaus who do the reports are Experian (formerly TRW), Equifax and TransUnion. Lenders contact these agencies for a copy of your credit report.

    Since your score is of paramount importance in your financial world, it is important that you read it yourself and keep yourself up-to-date and ensure mistakes if any, are corrected. A less than good score will result in you being rejected for a credit card or if you do get one, it would come to you with a higher rate of interest. Problems have this knack of remaining on your report for a long time even after being sorted out. Since your payment history is what influences your score it is imperative that you maintain a good payment schedule and stick by it.

    Your total outstanding debt is also a factor affecting the score. It would include the outstanding on loans, card limits, other card balances etc. All these have a negative effect on your score. One might think then that it better to have no credit history, therefore no negative impact. But this line of thought is erroneous. If there is no history then the lenders have no idea on what to base their decisions. So once again you are considered a risk.

    Credit bureaus have to, by law, give their clients a copy of their history though they charge for the FICO score. Call any of them for details.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.