Orchard Bank MasterCard® Secured Issued by HSBC Bank Nevada, N.A.. This card received a rating of 2.50 out of 5.00

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Basic Credit Card Information

Introductory Rate:	n/app
Time Period:	n/a
Rate Applied To:	Purchases
Additional Details:	None
Regular APR:	APR Varies*
Variable or Fixed:	Variable
Annual Fee:	$35**
Annual Fee Details:	**The annual fee will be waived for the first year. Thereafter, the fee is $35.
Application Fee:	$0
Participation Fee:	$0
Reload Fee:	n/app
Inactive Fee:	n/app
Total First Year Fees:	$35
Type Of Rewards:	n/app
Be sure to read the card's Terms and Conditions before applying!

Credit Card Review

The Orchard Bank MasterCard® Secured, issued by HSBC Bank Nevada, N.A., is designed for those with a limited or poor credit history.

The major benefit of this card is the reasonable annual fee of $35, which is waived for the first year. The APR for purchases will vary.

Unlike most secured credit cards, this card provides additional services and benefits including online account access, emergency card replacement, and various fraud protection services.

As with most secured credit cards, there are no additional perks, benefits, or introductory rates provided to the cardholder, as the card is solely designed to help the cardholder establish credit. However, cardholders will benefit from the fact that, with this card, unlike most secured cards, the deposit amount earns interest annually. In addition, this card reports to all three major credit bureaus.

Therefore, those who may occasionally carry a balance and will take advantage of the various services will benefit most from what the Orchard Bank MasterCard® Secured has to offer.

This review was updated 2008-08-19T00:00:00.0000000-07:00

Reward Program Information

Type Of Rewards:	n/app
Reward Program Optional:	n/app
	Optional programs may have a fee. See Terms and Conditions for details.

For Cards with Cash Back Incentives
Lowest Possible Rebate:	n/app
Highest Possible Rebate:	n/app
Additional Rebates:	n/app
Rebate Details:	n/app

For Cards with Point Incentives
Points Per Dollar Spent:	n/app
Additional Points:	n/app
Point Details:	n/app

For Cards with Airline Incentives
Miles Per Dollar Spent:	n/app
Additional Miles:	n/app
Program Details:	n/app

Rewards Expiration Period: n/app

Annual Limit: n/app

Additional Credit Card Perks

Various Internet account related services. Emergency card replacement. Emergency cash replacement. Lost and stolen card reporting. Various fraud protection services. Choice of payment due dates. See website for additional benefits.

Special Notations about the Orchard Bank MasterCard® Secured

***The minimum deposit will vary from $100 to $200 depending on the applicant's prior credit history. See website for complete terms and conditions of card usage and application disclosure.

Always read the credit card's Terms and Conditions before applying!