Orchard Bank MasterCard Secured 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 MasterCard® Secured, issued by HSBC Bank Nevada, N.A., is designed for those with a limited or poor credit history. The major benefit of this card is the reasonable annual fee of $35, which is waived for the first year. The APR for purchases is average for a secured card. In addition, cardholders can take advantage of a 0% introductory rate on purchases for six months. Unlike most secured credit cards, this card provides additional services and benefits including online account access, emergency card replacement, and various fraud protection services. As with most secured credit cards, there are no additional perks, benefits, or introductory rates provided to the cardholder, as the card is solely designed to help the cardholder establish credit. However, cardholders will benefit from the fact that, with this card, unlike most secured cards, the deposit amount earns interest annually. In addition, this card reports to all three major credit bureaus. Therefore, those who may occasionally carry a balance and will take advantage of the various services will benefit most from what the Orchard Bank MasterCard® Secured has to offer. Most Attractive Feature: No application fee; very low annual fee. Least Attractive Feature: No extraordinary benefits or services offered. Apply Now For Orchard Bank MasterCard Secured Note: The review of this HSBC Bank Nevada, N.A. card was updated on 05/02/2008 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:	$35** **The annual fee will be waived for the first year. Thereafter, the fee is $35.
Add. Cardholders:	$0
Late Payment Fee:	$29 on balances up to $1,000; $35 on balances over $1,000
Over-the-Limit Fee:	$29
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. Various fraud protection services. Choice of payment due dates. See website for additional benefits. Important Notes Regarding This Offer ***The minimum deposit will vary from $100 to $200 depending on the applicant's prior credit history. See website for complete terms and conditions of card usage and application disclosure.