Orchard Bank - MasterCard Credit Card Reviews

Overall

3.20 of 5 (by 10 users)

Orchard Bank - MasterCard Credit Card Review Summary

Do you need help re- establishing credit? A bad credit history can prevent consumers from obtaining credit but there are many credit cards that are willing to lend a helping hand and one of them is Orchard Bank Platinum, a credit card that extends credit to those with blemishes in their credit past. Because of the leniency on giving out credit cards, Orchard Bank Platinum approves a large percentage of applicants. Orchard Bank is also liked for its secure web site and generally friendly service. Orchard Bank is a “Good Basic Card to Rebuild Credit”, but since it is so easy to obtain, the interest rates and annual fee are high. Still, Orchard Bank Platinum is a good Credit Card to consider when other credit card issuers continue to turn you down.

	30%
	20%
	20%
	0%
	30%

60%

40%

Orchard Bank - MasterCard Credit Card Comparison

Most Helpful
Favorable Review

I have the rewards card and it pays to charge

JUN

2008

This card offers a low interest rate with a high annual monthly fee. I use it strictly as a gas card to earn my cash back rewards on this account and it does pay.The annual fee if assesed to the account can cause you to be over the limit so make sure to allow yourself a cushion for the fee to be billed... review »

on a strict budget

otisboymd
Sykesville, MD

Most Helpful
Critical Review

no Flexability, NO MATTER WHAT YOU DO!

JUN

2008

I have had an Orchard Bank Card for 8 years. After my husband died, I wanted to get credit in my own name. Well they gave it to me,......at a very high interest rate. I went over the limit one time by 3.49 and they would not remove the additional charge. I wrote to them and asked since I had... review »

Every day computer user, an moderate investor

bgibsonkent
Kent, OH

Orchard Bank - MasterCard Credit Card Ratings and Reviews

items/page: 15 | 30 | 50 displaying 1 to 8 of 10 sort by: most helpful | date | rating

helpful
votes

Be extremely careful, annual fees and interest rates are high

don't carry a balance

NOV

2007

The advantage of reestablishing credit after a past of credit problems is the reason that many take the opportunity when offered to accept a card of this sort. There are many pros as well as cons depending on each one's individual personal credit and past credit experiences. This is a wonderful opportunity extended to many which also comes at a great cost as well. This card will give you the chance to reestablish but also does not give much room for extending any larger amount of credit over at least a year's time. Basically when you start out you are paying on a card that you have never... review »

write a comment

yrod010204
Galena Park, TX

helpful
votes

Good basic to rebuild credit.

appreciative of good service, Every day computer user, free gift card rewards junkie, an online shopper, drive a lot, Responsible Honest Citizen

NOV

2007

This is a good basic card but it has a high interest rate. Make sure you pay regular and do not go over limit. They will reward responsibility. The company has excellent customer service but each time they talk to you on in person on the phone, they try to sell you a service that can be charged to the credit card. There are monthly specials that give the card holder money saving opportunities on the website. They have a great website that makes it very easy to monitor your bill. They have online bill pay. The best thing about the card is that it is a good card for rebuilding your credit.

write a comment

chameleon43341
Mason, OH

helpful
votes

sucks

Responsible Honest Citizen, not rich, Every day computer user, online banker, appreciative of good service, pay my cc bill off each month, interest conscious

NOV

2007

This is the worst credit card company. I used them for my very first crdit card to establsh some credit. I lost my job and they would not work with me. It was like I could never catch up. It was always fees for something. Then when I would call to try and strighten things out I get a call center full of foreign people ho have no idea what I am saying. If you have a card with Orchard Bank cancell. If you don't have one don't get one.

read 1 comment

jhands28
Frederick, MD

helpful
vote

A great way to rebuild your credit!

Every day computer user, appreciative of good service, not rich, thrifty, safety conscious

NOV

2007

This is a great card to have on hand for emergencies or for times when you need a card (such as car rental or hotel stays.) It's a good opportunity to rebuild your credit if you have less than perfect credit. However, be cautious of going over the credit limit, because the card will not be declined and the fee is steep. The interest rates are high too, so you'll want to pay your monthly balance each month if you're able.

write a comment

debinorth
Colorado Springs, CO

helpful
vote

terrible service, terrible rates

DEC

2008

I would not send my own worst enemy to these people. The people are rude, they raise your rate if you are a couple days late on your payment, their fees are ridiculous. Just no redeeming qualities for this company.!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

write a comment

gracymae
Cedar Park, TX

helpful
vote

a must when you are just starting your credit

in debt, an moderate investor, a low risk investor

NOV

2008

This is an easy card to get. It is perfect if you are just starting out or rebuilding your credit.

I was able to get this from choosemycards.com if you need a card, this is the place to go.

write a comment

alishac
San Jose, CA

helpful
vote

This card gives back to me!

Every day computer user, researcher, Safety conscious, fuel-conscious, appreciative of good service, always looking for ways to save, pay my cc bill off each month, thrifty

NOV

2007

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...

review »

read 2 comments

zipidoo
Prospect Heights, IL

The Orchard Bank MasterCard keeps giving like a true friend

AUG

2009

The Orchard Bank Master Card is one of the best business to have by your side to loan you cash when you need it. I have had a few different accounts with this card and the positive thing about it was my old account I never had paid and it was on my credit as an unpaid bill. I was in need of some cash browsing through the internet for a credit card and I ran accross The Orchard Bank Master Card. I applied for it even though I had already owed them money from a previous card I never paid off and the account was closed. One of the most giving businesses in the world is Orchard Bank, even though...

review »