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Some consumers with a financial history that is less than perfect often have the idea that they will never be in a position to be approved for a loan or even credit cards, with bad credit. However, it is in-deed very possible to get them, even with a poor credit history, and they may be very helpful for you in the long run! You just need to know how to get in the habit of using them appropriately to get the most out of them, while avoiding making your financial situation worse by too much spending or not making your monthly payments on time. Credit is available to consumers just like you.
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 Orchard Bank® Classic MasterCards
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The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit. Get prequalified online in just 30 seconds!
It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed.
- Acceptance at millions of locations worldwide, including website purchases and
reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it
your way
- Email and text messages to remind you of your upcoming payment due date with online
enrollment
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Credit Card Finder
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Page 2 Of Credit Offers Here
Quick Facts
Are you having some trouble getting approved because of slow, no or bad credit? Now it's possible
to get approved and usually regardless of your financial history. Apply for your
chance to get a bad credit credit card today. Chances are you may improve
your FICO score.
You probably have received your fair share of pre-approved offers for cards
with low introductory rates and maybe even more perks. Many of these
solicitations urge you to accept "before the offer expires". Be very careful before accepting these credit card offers, you
need to look around to get the best deals. Credit cards for bad credit are still a form of borrowing and often can
involve some hefty charges plus some may even be hidden, so read the fine print very carefully.
Pre-approved credit cards and their terms and conditions affect the overall cost to you, the consumer. You need to always
compare terms, fees and interest rates before agreeing to open a charge account.
The following are some very important terms to consider and generally should be disclosed in all bad credit credit card
applications or in solicitations that say they don't require an application.
Ask questions about these terms when you're looking for a program. The APR (Annual
Percentage Rate)is a measure of the cost and is expressed as a yearly rate. It
also needs to be disclosed before becoming obligated on the account and should be on your account
statements. The issuer also must disclose the "periodic rate" the rate applied to
your out-standing balance, to figure the charge for each billing period.
Some lenders allow the issuer to change the APR when interest rates or other indicators
called indexes change. Because the rate change is linked to the index's performance,
these plans are called "variable rate" programs. Rate changes raise or lower the finance
charge on the account. If you're considering a variable rate pre-approved program, the
issuer needs to provide various information that discloses: the rate may change and how
the rate is determined - which index is used and what additional amount, the "margin", is
added to determine the new rate. At the latest, you also must receive information before
you become obligated on the account, about any limitations on how much and how often the
rate may change. Free Period, also called a "grace period," is a time span that lets you
avoid finance charges by paying your balance in full each month, before the
due date.
Don't worry, we probably have a program to fit your individual needs and most are accepted where you see the MasterCard
or Visa logo. You can enjoy a Low APR on purchases from most of our programs for people with bad credit. There
has never been a better time to apply so don't wait! Whether you have Good, Poor, or no credit at all, we have
something for you. With our credit finder program, you will receive a complete list of programs tailored to
your individual needs!
Be sure to read all disclosures in the credit cards for bad credit applications. Credit cards for people with bad credit can be a good way to get out of the bad credit slump, when used properly.
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