As I said in the title, Orchard Bank - HSBC gave me a credit card when no one else would. In these economic hard times, it seems that credit granters might come up with another method bsides basing their decisions on credit reports. Lokk at this. If you are struggling financially, perhaps missed a few payments over the last few months while robbing Peter to pay Paul, and decided to apply for a credit card, many card issuers will decline your request. Perhaps this is where the expertise of acredit counselor (which I am not), will come into play. It seems that it is important to plan when you will apply for credit to ensure your request is accepted. My plan is to use my recently acquired card for extremely dire emergencies only AND pay them off within 30 days or before the next bill prints. I did receive a surprisingly low APR but I don't plan on paying any interest on purchases put on this card. Thank you, Orchard, and congratulations on you decision to give me a card. You will not be disappointed!