Highest Rated Review by the Community
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Feb 20 '05
Pros: Fairly easy approval
Cons: High interest, fees, pushy customer service people, site slow to update.
Summary: This review may seem premature, but since I have decided to close my account already, I decided to go ahead and write the review of my experience in my short time with my card. A couple of weeks ago, I received a pre-approval for a credit card ...
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Jul 28 '11
Pros: Helps establish credit history if just starting out or has had bad credit history
Cons: Annual fee, long wait time on phone, unusual, tricky, inconsistent billing system.
Summary: The Good: I first acquired this card back in November 2007 when I was attempting to establish my credit history after being turned down by many credit card companies, including the former Washington Mutual. (Funny how Washington Mutual ...
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Mar 08 '11
Pros: Online Banking and payments. Quickly view every transaction and view your current balance.
Cons: High APR, No benefits, Annual Fee.
Summary: I received a 'pre approved' mailer from Orchard Bank. Now, I'm not stupid, so I knew with my bad credit, no bank is going to pre approve me unless it is a scam.. Well, I decided to check it out and look in to it some more. Upon reading the word SCAM ...
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Jul 30 '10
Pros: In expensive annual fees, interest rate not too shabby, no unscrupulous practices to speak of
Cons: none at the moment
Summary: I've had the card since 2002.I've always been reliable in paying cards, but lost my job during the 9/11 recession and watched $2200 of debt turn into $12000 with no job, away to pay, and no help from the bank in putting the card/interest on hold ...
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Feb 18 '10
Pros: Good card if you have low or bad credit, in re-establishing it.
Cons: High APR's, annual fees, no benefits other than raising credit.
Summary: This has been a pretty good card to me over the years. I don't need it now, so I have thought about closing it, but many years ago, I wasn't so good with money management and my credit wasn't so hot. This is the card that will solicit anyone with bad ...
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Jul 07 '09
Pros: Good for building credit card if you have none or have some bad credit.
Cons: Don't be 1 day late w/a payment or else they skyrocket the interest rate.
Summary: I've had my Orchard Bank credit card since 2006. Just this year, with the fledgling economy and some poor spending choices on my part (I do admit), I accrued a couple of late charges and some over limit charges, thus my interest rate skyrocketed to ...
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Jun 27 '08
Pros: May give you a card if credit isn't good; offer a secure card
Cons: High fees, offshore customer service
Summary: I was doing some research a few months ago regarding secure credit cards. I came across a few articles which recommended Orchard Bank (a division of HSBC). I was trying to find a credit card for emergency purposes as my fiancé and I purchased a home a ...
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Mar 31 '08
Pros: no annual fee on some cards, reports to all credit bureaus instant approval, cash back
Cons: high interest rates for some
Summary: I don't know what all the bad reviews are about. I've had this card for nearly a year, and I love it. I was fortunate enough to sign up during a time period that they were offering their platinum card with $0 annual fee and 2% cash back on all purchases. ...
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Mar 29 '08
Pros: they can always pick up your phone calls,website is not down too often
Cons: no benefits offered,difficult to get deposit back,wont make the card unsecured,much higher yearly fee
Summary: I received my deposit check from Intermountain Community Bank which is the bank for the orchard bank credit card.Before I received this check,I called orchard bank’s 503 phone number about 10 times.What I learned is that you should dial their 1800 ...
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Mar 28 '08
Pros: Always reports current to all 3 bureaus, good web site
Cons: High interest and fees, no credit increases, lots of JUNK
Summary: Make no mistake about it - this is a card for people with bad credit. If you have enough credit to get something else, you probably should think about it. However, as long as you understand going in that you will pay high interest and fees, get no ...
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Jan 17 '08
Pros: Good way to build credit if you have no other option.
Cons: Sneaky. Be careful. Do your homework before getting this card.
Summary: I have always been early with my payments for all of my credit cards. I was looking through my bank records, and I noticed that, in the last year, it has never taken more than 6 business days for my payment to travel and be processed by Orchard. I ...
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Jan 15 '08
Pros: Easy to get
Disclosure of terms
Cons: High fees, rates, rough terms or agreement
Summary: I've only had this card a little while, and first off, they do allow those of us with bruised credit an opportunity to rebuild and recover. But, like the laws of physics, people with poor credit always pay the most, and Orchard Bank uses every ...
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Dec 28 '07
Pros: -tool to rebuild credit.
-Not excessive fees
-Good online account access and payment site.
Cons: -high annual fee
-low initial credit line
Summary: This is, or course, a card that is designed for those with an imperfect credit rating. When others will laugh at you for applying for their card Orchard Bank will give you credit. This card should not be maligned simply for the fees that they ...
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Sep 06 '07
Pros: They did help me establish my credit when I needed it.
Cons: They STINK for long term customers who've improved their ratings!
Summary: I got my orchard bank silver card back in 5/05. at that time we were just coming out of bankruptcy, and we wanted to start establishing good credit. I had higher interest rates but had expected it; for the most part, I paid it off each month, so it ...
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Aug 14 '07
Pros: Easy Online Access, Friendly Service, Good for International Use
Cons: High Interest Rates especially for cash withdrawals
Summary: After reading one review, I'm convinced things must be different at Orchard Bank. I got an Orchard Bank card about 2 years ago. The card came quickly and I was approved even though I had poor credit. They did offer all the other options mentioned, but ...
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Jun 06 '07
Pros: It is almost 100% guaranteed.
Cons: Very expensive to own one.
Summary: There is only one reason that I know of to own a credit card; any credit card, - to improve your FICO credit score. All other reasons are just fundamental misunderstanding of human psychology. There are NO reasons to own this particular card at all. ...
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