Orchard Bank Classic MasterCard issued by HSBC Bank Nevada, N.A.
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Orchard Bank Classic MasterCard®, issued by HSBC Bank Nevada, N.A., is designed for those with an average or a limited credit history who do not wish to secure a credit card account with a deposit, as this is often the case with a secured card. Although the card can help those with a limited credit history, it does have several costly factors that should be considered before applying. The interest rate is average for this type of card. The annual fee and the application fee are both $49, which, in both cases, is about average for this type of credit card. In total, the cardholder can expect to pay $98 in the first year. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months. This card also offers common cardholder benefits such as emergency card replacement, lost and stolen card reporting, and no liability for unauthorized transactions. Therefore, those who may occasionally carry a balance and do not mind paying the additional fees will benefit most from what the Orchard Bank Classic MasterCard® has to offer. Most Attractive Feature: Reports to credit bureaus; average APR for purchases. Least Attractive Feature: Annual fee. Apply Now For Orchard Bank Classic MasterCard Note: The review of this HSBC Bank Nevada, N.A. card was updated on 06/10/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 6 Months
Applied Towards:	Purchases
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	APR Varies*
Cash Advance APR:	APR Varies*
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	25 Days
Fees Associated with this Card
Annual Fee:	$49
Add. Cardholders:	$0
Late Payment Fee:	$30 on balances up to $1,000; $35 on balances over $1,000
Over-the-Limit Fee:	$30
Cash Advance Fee:	5%, $10 minimum
Balance Transfers:	n/a

Additional Highlights of Interest

Special Card Benefits and Features Various Internet account related services. Emergency card replacement. Emergency cash replacement. Lost and stolen card reporting. No liability for unauthorized transactions. Choice of payment due dates. See website for additional benefits. Important Notes Regarding This Offer See website for complete terms and conditions of card usage and application disclosure.