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Credit Card Reviews ~ Bad Credit Credit Cards


Orchard Bank Gold MasterCard® Review

The Orchard Bank Gold MasterCard®, issued by HSBC Bank Nevada, N.A., is intended for those with a poor credit history who does not wish to secure a credit card account with a deposit, as this is often the case with a secured card.

Even if the card can help those with a limited credit history, the card has costly aspects that should be considered before applying.

The interest rate is very low for this type of card. There is an annual fee of $96, which is about average for this type of credit card. There is s set-up fee of $39. In total, the cardholder can expect to pay $135 in the first year.


Cardholder Benefit/s:

  • Report transaction to the credit bureaus.

  • Very low APR for purchases.
  • Various Internet account related services.
  • Emergency card replacement.
  • Emergency cash replacement
  • Lost and stolen card reporting.
  • Zero liability for unauthorized transactions.
  • Choice of payment due dates.
* See website for additional benefits.


Therefore, those who may occasionally carry a balance and do not mind paying the various fees will benefit most from what the Orchard Bank Gold MasterCard® has to offer.

Note: We suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application since the information may have changed since the review is written.

Reviewed on December 8, 2006

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About the Author

Liz Roberts is a freelance writer and loan consultant. The website BadCreditResources.com offers resources that specialize in providing loans and credit cards to people with bad credit.