WHAT IS ORCHARD BANK CREDIT CARD:- 

 This credit card is for those, who are building there credits, or for those having bad credits. It would be beneficial for those people with bad credits. HSBC is the bank, in NA, who issues these credit cards. These cards provide you, benefits, which can be used in your daily purchasing; you should use this credit card to buy your daily stuff.

TYPES OF ORCHARD BANK CREDIT CARDS:-

There are certain types of orchard bank credits cards; you can purchase it according to your requirements.

Orchard Bank, Platinum Master Card: – Annual fee is, $ 39 to $ 59, variable purchase APR is 14.90 %, Variable Penalty APR is 29.49 % and Account Processing Fee is $ 0.

 Orchard Bank, Gold Master Card: – Annual fee is, $ 60 for first year, after that you pay $79 per year, variable purchase APR is 14.90 % to 19.90 %, Variable Penalty APR is 29.49 % and Account Processing Fee is $ 19.

 Orchard Bank standard Master Card: – Annual fee is, $ 35 on the first year then after that $74 per year, variable purchase APR is 19.90 %, Variable Penalty APR is 29.49 % and Account Processing Fee is $39.

 Orchard Bank Secured Master Card: – Annual fee is, $ 35, waived for first year, variable purchase APR is 7.90 %, Variable Penalty APR is 29.49 % and Account Processing Fee is $ 200, as minimum deposits.

 They all are visa and Master Cards.

HOW TO APPLY:-

If you want to apply for Orchard Bank Credit Card, you can apply it online also, you just have to visit www.orchardbank.com and click the option which says “start now”. Firstly there you have to make sure, which card is suitable for you, so for that you have to go through card selection process, in this, there will be absolute confidentiality, about your information, as well as about the type of card you are opting for; then the Application Process, at the end there will be Verification Process, then you are done.

HOW ARE PAYMENTS AND OTHER CHARGES CALCULATED:-

A list of, items purchased, by the card owner, is sent to him, at the end of each month. With the total no of items, as well as total no of money spent for each item purchased. A card owner is given a particular date, till when he has to pay that particular amount, if the card owner had paid that particular amount on that date given to him; he will be charged the interest of above 1.5 % only on that amount which was unpaid. If the payment not paid, till the due date, then a very high interest will be charged, instead of that, a late free is applied and, and that late fee will be added in the next months bill. General orchard bank of interest will be only applicable if the payment is paid full, before the given due date.

HOW ARE PAYMENTS ACCEPTED

Payments are acceptable, either in hand, by walking to the bank itself, or you can also pay online.

For paying bills online, one must visit orchard bank website. There you can not only, see your account information and other details, but you can also pay your bills , and make other payments , that would be the easiest way, because you don’t have to go anywhere , which would be simple and time saving method of paying bills. Orchard bank credit card payment is very easy to do it online.

CONTACT DETAILS:-

You can approach, your nearest bank, in addition you can also, and contact for technical support and other queries, on the customer care number, which is always mentioned on the back of the credit card.