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Orchard Bank credit cards are sub-prime credit cards that are offered through HSBC Finance Corporation (self-proclaimed as “The World’s Local Bank”). Benefits that Orchard Bank offers for its credit card include worldwide acceptance, ATM access at MasterCard/Cirrus ATM’s worldwide, Shopping Guarantee Use your Orchard Bank MasterCard for online shopping with the piece of mind that you will not be responsible for any charges that you have not authorized, 24 hour Online Access through Orchard Bank’s website, as well as many more.

Orchard Bank also helps out that person (or investor in this case) that is concerned with his or her credit score. When using the Orchard Bank credit card, there is a credit report sent to all three credit bureaus each and every month. This can be a good and bad thing. If you are not reliable with paying off your credit card, then it can be a very bad thing. However, if you are dependable about paying off your credit card on time, then Orchard Bank works with you in improving your credit report and ultimately, your credit history. Help Orchard Bank to help you.

With every bank and credit card, there can be cons. While Orchard Bank seems to be a very trustworthy bank, it is no exception to that rule. Only US residents of legal age are allowed to have an Orchard Bank credit card. Also to receive a card, you need to have an annual income of at least $12,000. Does that include most people? Sure it does. Does that include everyone? Certainly not! Nevertheless, Orchard Bank is like any bank that has to have guidelines and some of these “cons” can be looked at as “normal guidelines.”  At the end of the day, Orchard Bank gets my stamp of approval.