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Orchard Bank Low APR MasterCard®Quick Summary:
This MasterCard offer is issued by HSBC Bank. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. APR's may vary among applicants, however the lowest standard APR is 7.90% and may be as high as 8.90%, depending on your credit worthiness*.APR's:
There is not an introductory APR for this card, so the lowest or standard rate of 7.90% will apply immediately. The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.4% to the U.S. prime rate. Rewards:
This is not a rewards card. However, depending on your intended use, the low rate of 7.90% may be considered as a higher importance than rewards. Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. The recommendation made by the card issuer is broad, currently between 500-699. Other Basics:
The grace period listed for the Orchard Bank Low APR MasterCard® is at least 25 days. So interest charges will not be applied during those days. This card is intended for consumers, or "personal use". This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment. Approval Rate:
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. If you believe that you fall into the credit record of "Poor Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 500, then your chance of approval may be greater than other applicants. Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved. Offer Details: Get the lowest rate possible on a MasterCard. The Orchard Bank Low APR MasterCard comes with an 8.9% variable APR and a full package of great benefits. Apply now, and get a Gold, Classic or Secured offer with an 8.9% variable APR, no matter what your credit history is.
- Low 8.9% APR on all card offers, including Gold, Silver and Secured
- Free standard online bill pay
- Your choice of payment due date to fit your lifestyle
- Flexible payment options
- 100% Fraud Liability Protection
- Exact fees dependent upon creditworthiness
*Please view and verify the card offer's terms and conditions
regarding interest rate, fees, grace periods, approval time and other
information before applying.
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Consumer Card Rate Comparison
| APR | 7.90% | | Avg. APR** | 12.22% | | Annual Fee | $96 | | Avg. Annual Fee** | $8.01 | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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