| When someone has a limited or a rather poor | | | | cash advances. No matter what the Prime Rate |
| credit history, they may want to look into the | | | | is, even if it falls to low levels, the APR on this |
| Orchard Bank Secured Credit Card. Offered | | | | card will not go below the minimum rate. |
| through HSBC Bank Nevada, N.A. this MasterCard | | | | There are perks to the Orchard Bank Secured |
| is just what those who are looking to restore and | | | | Credit Card that you won't always find on cards |
| re-establish their credit could use. | | | | of this type, though. The card provides |
| The annual fee of the Orchard Bank Secured | | | | cardholders with services and benefits like online |
| Credit Card is quite reasonable at $35. The | | | | account access, emergency card replacement, |
| variable APR of 15.90% is an average rate for | | | | and other various fraud protection services. You |
| such a card. The variable APR on cash advances, | | | | also do not have to pay an application fee when |
| however, jumps significantly to 23.40%! The | | | | you apply for this MasterCard. |
| finance charges are applied to any purchases that | | | | So, if you plan to pay off your balances, this card |
| are not paid for within the first 25 days, and | | | | can help you to build or re-establish a positive |
| there are charges for other services like cash | | | | credit history. With a low annual fee and no |
| advances. The maximum deposit allowed on the | | | | application fee, cardholders can expect to pay $35 |
| Orchard Bank Secured Credit Card is $15,000, and | | | | for their Orchard Bank Secured Card every |
| the minimum deposit is $200. Late payment and | | | | twelve months. |
| over the limit fees are $29 each time they occur. | | | | For more information or to obtain the Orchard |
| One thing to note when you are looking at the | | | | Bank Secured Credit Card application, Joshua |
| Orchard Back Secured Credit Card: minimum caps | | | | Shapiro recommends Find Credit Cards. |
| do apply to the APRs for both purchases and | | | | |