Orchard Bank - MasterCard Credit Card Review

I got one of those 'pre-approved' credit card deals in the mail, heck I was getting a bunch of them.  Well, I thought about this one.  The basic interest charge was low, not outragious.  The average payback time was a more reasonable time of 25 days, not 20.  Ok, all well and good, but, man-oh-man, a percentage back on each and every perchase!!  Wow, now that's real savings.  Points for travel, etc. are nice, but the actual cash on almost 100% of all purchases is much more realistic to me.  I can see it just adding each time to my own personal savings account or getting that little extra that I need.

   I had to call one time just to be certain that I didn't miss my first statement.  I didn't, it came in the mail within the next couple of days.  The person on the phone was friendly, and 'real', not your average 'sterio-type' that doesn't listen or know anything.  He had the answers and the access to give me right away.  Yep, I just double checked with a few more questions...why not?  And, just recently, I requested my first rebate check.  It adds up fast and I even get bonus points towards my dollars because I pay it off in full when the statement comes in.  Either way, I'm ahead of the game. 

  To be able to use a credit card and receive a 'savings' on almost 100% of everything I purchase sounds like a good thing to me.  Well, it's real; I've had mine for over 6 months now and it works.  No  dishonesty from this company, it's Platinum toward me, and for me.  Thank you  HSBC BANK.  You have a winner in my book.