The Orchard Bank Credit Card is just one more company that shares its business with another credit card company. As part of the HSBC bank of Nevada, the Orchard bank platinum MasterCard is designed for those with an average or limited credit history, but do not want to have a savings account as is the case with most secured cards. While Orchard bank credit cards can help with a limited credit history, there are many factors that should be considered. The annual fee can range from $39 - $84, depending on the applicant’s credit history, with no application fee and an average interest rate. For those consumers who do not mind paying an annual fee and may carry a balance will benefit from what the orchard bank platinum credit card offers, including 0% APR for 5 months on purchases and balance transfers be aware however to take note of the chance in APR percentage after the initial five months.
For those who do wish to have a secured card, the Orchard Bank credit card and required savings account are an excellent, safe way to begin a credit history. The advantage with a secured credit card with Orchard bank is that only the HSBC Company and you will know the card is secured.
For those who may still unsure about applying for a Orchard bank credit card, take into consideration that HSBC is one of the world’s leading issuer of MasterCard credit cards, when you financial needs require a credit card with many services and a worldwide presence, HSBC/Orchard Bank knows what you need. The cards available to Orchard Bank credit card customers offer competitive rates and superior customer service.
A major concern for people who bank online is security. The HSBC website uses an advanced security technology system called SSL. Our website uses advanced security technology and supports only those browsers that incorporate Secure Socket Layer (SSL) 3.0 or higher for data encryption. SSL is a software based security protocol that encodes data before it is transmitted over the Internet. This technology now used by nearly all online companies, ensures their customers information is safe.
The connection to the website will terminate itself after 15 minutes of inactivity, allowing your information to be safe if you need to walk away for a short amount of time. In order to once again view your account information you will need to go thru the log-in process again.
For those customers who prefer to do this banking in person or by mail, all branch locations and mailing addresses are available on the web site, or by phone. These services and more are available to all Orchard Bank/HSBC customers for their convenience.