FYI - Credit card with lower requirements (non-secured)
Apr 14th 2004, 5:23 pm
#1
Mr. Grumpy
Thread Starter
Joined: Jun 2003
Location: Nashville, TN
Posts: 3,100
FYI - Credit card with lower requirements (non-secured)
application fee of $19 (refundable if refused) and an annual fee (mine is $79 but varies)
www.orchardbank.com
not a good card by standard criteria but a good tool to help build credit if you don't want a secured card
low credit limits (like $300-$1000)
may be useful to some people
also - be aware, even if you get 'pre-approved' offers in the mail you are NOT guaranteed to be approved - its all subject to final verification of your credit report
hope this helps some people
www.orchardbank.com
not a good card by standard criteria but a good tool to help build credit if you don't want a secured card
low credit limits (like $300-$1000)
may be useful to some people
also - be aware, even if you get 'pre-approved' offers in the mail you are NOT guaranteed to be approved - its all subject to final verification of your credit report
hope this helps some people
Apr 14th 2004, 6:23 pm
#2
Not living a 9 to 5 life
Joined: Jun 2002
Location: North Carolina
Posts: 11,061
Originally posted by NC Penguin
I like to refer to www.epinions.com to read people's experience owning/using credit cards.
The Orchard Bank credit card doesn't look that promising based on recent reviewers. See-
http://www.epinions.com/finc-Credit-...nion_list#list
I like to refer to www.epinions.com to read people's experience owning/using credit cards.
The Orchard Bank credit card doesn't look that promising based on recent reviewers. See-
http://www.epinions.com/finc-Credit-...nion_list#list
Apr 14th 2004, 7:07 pm
#3
Mr. Grumpy
Thread Starter
Joined: Jun 2003
Location: Nashville, TN
Posts: 3,100
its seems that most people had a reasonable experience - rated it 4 or 5 stars
the 4 or 5 people who didn't are probably idiots who can't read/can't be bothered to read or can't comprehend the fees disclosure - its very straightforward
its a card that offers a solution to a specific requirement - helping establish or re-establish credit
if you have a good-excellent credit rating DON"T get this card - get an AMEX blue or other card with great features/benefits or reviews
but if you are just starting out and want to improve your profile then this seems to be a good choice if you don't want to go down the secured route
the 4 or 5 people who didn't are probably idiots who can't read/can't be bothered to read or can't comprehend the fees disclosure - its very straightforward
its a card that offers a solution to a specific requirement - helping establish or re-establish credit
if you have a good-excellent credit rating DON"T get this card - get an AMEX blue or other card with great features/benefits or reviews
but if you are just starting out and want to improve your profile then this seems to be a good choice if you don't want to go down the secured route
Apr 15th 2004, 12:20 am
#4
Lost in BE Cyberspace
Joined: Oct 2003
Location: My Old KY Home!
Posts: 6,498
Re: FYI - Credit card with lower requirements (non-secured)
Originally posted by BritGuyTN
application fee of $19 (refundable if refused) and an annual fee (mine is $79 but varies)
application fee of $19 (refundable if refused) and an annual fee (mine is $79 but varies)
But for those that need to gain credit status here, I can see this card as a good idea.
Apr 15th 2004, 3:13 am
#5
Joined: Dec 2001
Location: Dixie, ex UK
Posts: 52,439
Originally posted by BritGuyTN
its seems that most people had a reasonable experience - rated it 4 or 5 stars ....
its seems that most people had a reasonable experience - rated it 4 or 5 stars ....
