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Related Card Offer: First PREMIER® Bank Platinum Credit Card APR: 7.90% Intro APR: None Annual Fee: $See Terms Apply Now

Orchard Bank Platinum Visa® Card

APR's:
There is not an introductory APR for this card, so the lowest or standard rate of 14.90% 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. Although the APR is 14.90% and there are no rewards, you may want to consider that this card does not* have a annual fee.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO score of at least 546 is recommended for a higher chance of approval for the Orchard Bank Platinum Visa® Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Orchard Bank Platinum Visa® Card is at least 20 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 Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa 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 546, 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:

• Visa Auto Bill Pay Service
  
• A choice of payment due date to fit your schedule
  
• Flexible payment options
  
• 100% Fraud Liability Protection
  
• Exact fees dependent upon creditworthiness
  
• Pre-qualify for Platinum, Gold, Classic or Secured

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**  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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