The Orchard Bank credit card program offers credit cards to those with no credit, little credit, damaged credit or restored credit. We've helped millions of people obtain credit who may not have traditionally qualified for a credit card. Because of our reputation for outstanding customer service, modest fees and a focus on credit education, Orchard Bank credit cards are highly regarded by our card members. With a unique approach of educating customers on all aspects of obtaining and managing credit, our cards continues today as a leader in the under-served credit industry.
Orchard Bank MasterCard® benefits include:
Modest fees & competitive APRs
Periodic credit limit increase reviews
Card recommendations for every credit level.
Complimentary online services for account management & payment.
Are you looking for a credit card that can help you establish or re-establish your credit while providing you with benefits like initial generous credit limits, periodic reviews for credit limit increases, competitive APR, complimentary Online Bill Pay and many more? If so, then apply for an Orchard Bank MasterCard®!
Begin building or rebuilding your credit in 3 easy steps with our credit
cardl.
1. Inquire – complete and submit the risk-free inquiry form.
2. Review – evaluate the MasterCard® offer specific to your needs and credit profile.
3. Apply – submit your application.
Visa credit card offers: Visa Classic, Visa Secured, Visa Gold Credit Card, Visa Platinum Credit Card, Smart Visa Cards, Visa Signature Card and Reward Cards
MasterCard credit card offers: The MasterCard, Gold MasterCard, Platinum MasterCard and World MasterCard
American Express credit card offers: Personal Card, Rewards Green Card,Senior Member Card, American Express Student Card, Gold Card, Platinum Card, Blue from American Express, Blue Cash Card, Blue for Students
Discover Card offers: Discover Miles Card, Discover Gold Card, Discover Student Card, and the Discover Gas Card
Prestige Gold Card (no longer available): Designed for those with poor to limited credit who would like to establish credit by participating in the optional credit-building program. Those who become active members of the optional New Horizons Gold program will be glad to know that transactions will be reported to credit bureau(s) as an unsecured credit card.
According to the MasterCard website, their MasterCard® Gift and Prepaid Cards are a way to be secure and are perfect for friends and family. The MasterCard
Travel Card can be convenient for traveling, a safe way to pay, and an alternative to cash and travelers’ checks. The card is accepted worldwide and it can be
used everywhere Debit MasterCard cards are accepted like hotels, restaurants, ATMs, and other places.
When you register your card, if it is lost or stolen, you’re protected from unauthorized purchases, whether they’re made in-store, by phone, or online*.
You can check your balance, account information, and transaction history by phone or on the Web. Cardholders can have a choice of currency and cash back
at participating merchants. Visit the MasterCard website for these details and other information about the MasterCard Travel Card.
MasterCard
and PayPass
The
parking facilities at Philadelphia International Airport is accepting MasterCard® PayPass™
payments in its parking lots. This is a fast, cashless payment so travelers can pay for parking quickly
by tapping their PayPass-enabled MasterCard card or PayPass device on a PayPass reader.
This is now at airports in Norfolk, Miami, and Philadelphia.
This
can make it easy for passengers traveling to use a fast payment method and get
on with their trip. This is one way to make airport services a better
experience. In Philadelphia, PayPass will be in the vehicular exit lanes that serve the airport’s parking spaces.
This can eliminate time travelers must spend in line to pay. The traditional magnetic-stripe payment cards
will still be accepted too.
MasterCard Payment Gateway
BNY Mellon Treasury Services and MasterCard
have announced that BNY Mellon will be integrating the MasterCard Payment GatewayTM into its payment solutions for corporate clients. ACH, wire transfer and check payment services
are already available from BNY Mellon and the MasterCard Payment Gateway will allow BNY Mellon clients
to have the speed, cost efficiency, and other management benefits of electronic B-to-B card payments.
BNY Mellon will use the MasterCard Gateway as an electronic network to connect clients with their
suppliers and it will help BNY Mellon to expand upon corporate customers’ needs
by the end of 2009. MasterCard is focused on providing BNY Mellon and its corporate clients with
payment processing capabilities that can integrate with existing ERP and electronic invoicing
investments. To read about this and the other details visit the MasterCard
website.
MasterCard
Waives Fees
The
latest news according to the MasterCard website is that the MasterCard Worldwide
will waive fees for donations to the Haitian aid efforts. The fees that will be waived
are those made using U.S. issued MasterCard cards to certain organizations like
the the American Red Cross, AmeriCares, UNICEF, Save the Children, and CARE USA..
The MasterCard website indicates that since Americans are helping the victims
during this awful tragedy, they want to make sure contributions that are made
will go as far as possible. MasterCard made a corporate donation to the American Red Cross and is
also double-matching employee contributions to the Haitian disaster relief fund of the American Red Cross.
For this and more information, visit their website.
MasterCard
The MasterCard inControl service allows issuers to select which MasterCard controls and alerts to
quickly and easily integrate into new or existing debit, credit, prepaid, PayPass and mobile payment products. This
function helps issuers provide better service and grow loyalty among their
cardholders. With MasterCard inControl, cardholders
can set budgets for particular types of spending and can manage the types of purchases each payment card linked to their accounts may be used.
It can establish their own system of alerts to prevent overspending and
cardholders can be informed in real-time about card activity. There is an
option to get a limited use virtual card numbers linked to their accounts and to
help provide security and control when shopping online.
These
controls can help cardholders have even more peace of mind knowing their cards cannot be used for transactions that they would not
approve. The inControl service gives banks the option to either decline transactions that are not approved due to the assigned limits or request secondary authorization via an instant SMS message to ask the cardholder to personally approve the payment.
For this information and more details, visit the MasterCard website.
MasterCard
MasterCard
has some ways that consumers can benefit with a MasterCard. Consumers who use
cards can have an instant way to get funds, pay for goods and services most anywhere,
have more security than using cash, and have limited liability for lost or stolen cards.
Using cards for online shopping helps consumers shop whenever they want and the
statements help make tracking spending more manageable. MasterCard offers a wide
range of benefits and rewards that can be more personalized for cardholders.
Some
cards require an annual fee and others do not have any yearly fees. They have
consumer cards that offer 5% cash back for purchases made on specific things and
a 0% intro card for a specific amount of time, for those who qualify. Many card
companies have the same types of cards, it is best to review several card
offers to find the best card that suits your lifestyle.
MasterCard
Debit Cards
MasterCard
has a debit card that is called World Debit MasterCard. Cardholders may be able
to benefit from the rewards it offers. It is easy to make payments at millions of locations that accept MasterCard
cards. They have benefits like the MasterCard Savings Plus™ program that lets
cardholders get discounts of 20%-50% on offers, invitation-only, VIP shopping,
and access to private events. Cardholders can also take advantage of special dining, entertainment, and travel
experiences as well as purchase protection features like Price Protection
benefits.
Cardholder
are eligible for ID Theft Resolution, Zero Liability*, and MasterCard Global Services.
Their Id Theft resolution provides access to credit bureau services and materials that teach
how to avoid repeat occurrences and how to report the theft of cards. The zero liability* offers protection from unauthorized
purchases and cardholders can have access to emergency cash advances and card
replacements.
The
information on the MasterCard site indicated that more women see themselves with
the family purse strings and as far as women seeing themselves in a managerial role,
the numbers have grown. Their research found that more women see themselves as making
many important financial decisions in their households. MasterCard wants to help women reach their potential with
some initiatives such as their scholarship and CSR programs.
MasterCard's range of initiatives
include the U21 Global Scholarship for Women in Travel and Tourism, it provides working women professionals a program to develop their leadership skills in
travel and tourism. MasterCard supports women through its work with organizations
like the Rags2Riches, which seeks to train women with skills to make a livelihood.
For these details and more information, visit the MasterCard website. Review MasterCard
card offers.
Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
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Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.
Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.
Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.
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Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.
Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
Why Did My Credit Card Interest Rate Increase? Here are reasons why your credit card company may feel you have become a high risk and have raised your account's interest rate:
*You sent a late credit card payment
*You were late paying another credit card account
*You are close to your credit limit
*You exceeded your max credit limit
*You exceeded or nearly maxed out some other credit card account
*Your credit score lowered
*You have too many credit card accounts
*You have too much other types of debt
*You bounced a check
*You filed bankruptcy
*You submitted false information when you applied for your credit card
*You broke a term or condition of the cardholder agreement
*You used the card illegally
*Your credit card account has a variable rate that is tied to another interest rate which had increased
*Your credit card issuer changed business strategies
Instant approval credit card application and a bad credit personal loan with no credit check. Improve credit with our free tips.
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How Credit Card Debt Gets To A Collection Agency - Wondering why you're getting calls from a debt collection company instead of from your credit card issuer?
Your credit card issuer will invest only so-many months attempting to contact you and to get you to repay the balance, either in a lump sum (even possibly after negotiating for a lower settlement), or to once again make your minimal monthly payments on time.
After your credit card issuer has exhausted those efforts, the will give up and charge off your debt. They will then sell your debt to a collection agency, which pays pennies on the dollar to acquire your account debt. That's how you end up owing the payoff (or settlement amount) to a collection agency instead of to the original creditor (the card company).
Whether you owe debt to a collection agency or to a credit card company, you can get a credit counseling or debt consolidation quote. You can also learn do-it-yourself free debt settlement and draft your own debt settlement letter, or let a professional negotiation company do the work for you.
