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| Credit Card Review |
The Orchard Bank Classic MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card.
Although the card can help those with a limited credit history, it does have several costly factors that should be considered before applying. Every time you make a qualifying purchase with the Orchard Bank Classic MasterCard®.
The interest rate is average for this type of card. The annual fee and the application fee are both $49, which, in both cases, is about average for this type of credit card. HSBC Bank Nevada, N.A. offers some of the best credit card rewards and benefit programs. In total, the cardholder can expect to pay $98 in the first year. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months. Looking for Orchard Bank Classic MasterCard®, our web site has what you are looking for.
This card also offers common cardholder benefits such as emergency card replacement, lost and stolen card reporting, and no liability for unauthorized transactions.
Therefore, those who may occasionally carry a balance and do not mind paying the additional fees will benefit most from what the Orchard Bank Classic MasterCard® has to offer.. . Learn more about this Orchard Bank Classic MasterCard® here!
Most Attractive Feature: Reports to credit bureaus; average APR for purchases.
Least Attractive Feature: Annual fee.
Apply Now For Orchard Bank Classic MasterCard®
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Note: The review
of this Orchard Bank Classic MasterCard® from HSBC Bank Nevada, N.A. was updated on June 10, 2008
*Terms and Conditions
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| Key Card Information |
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Introductory Rate: |
0% APR for 6 Months |
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Time Period: |
6 Months |
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Applied Towards: |
Purchases |
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APR (Purchases): |
14.9% |
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APR (Cash Advances): |
APR Varies* |
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Finance Configuration: |
Average Daily Balance (including new purchases) |
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Annual Fee: |
$49 |
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Additional Cardholders: |
$0 |
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Grace Period: |
25 Days |
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Minimum Credit Limit: |
n/a |
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Maximum Credit Limit: |
n/a |
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Late Payment Fee: |
$30 on balances up to $1,000; $35 on balances over $1,000 |
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Over-The-Limit Fee: |
$30 |
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Cash Advance Fee: |
5%, $10 minimum |
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Balance Transfer Fee: |
n/a |
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Application Fee: |
$49 |
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Participation Fee: |
$0 |
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Total First Year Fees: |
$98 |
| The Rewards Program
Highlights |
| Additional Highlights of Interest |
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Special Card Benefits and Features
Various Internet account related services.
Emergency card replacement.
Emergency cash replacement.
Lost and stolen card reporting.
No liability for unauthorized transactions.
Choice of payment due dates.
See website for additional benefits.
Important Notes Regarding This
Offer
See website for complete terms and conditions of card usage and application disclosure.
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Apply Now For Orchard Bank Classic MasterCard®
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