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News and Advice
Current Interest Rates
- Update: 09-05-2010
- 12.72% National Average
- 12.88% Low Interest
- 12.99% Student
- 14.49% Business
- 14.49% Cash Back
- 14.49% Instant Approval
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Orchard Bank Visa Cards
- The Orchard Bank Visa Credit Card can help you get your credit back on track. We report monthly to all three major credit bureaus giving you the opportunity to rebuild your credit with good payment behavior! Get pre-qualified in less than 1 minute!
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 On-call customer service representatives to assist you with questions or concerns Tell your friendGeneral
Annual Fee: $0-$75 the first year: $35-$79 per year thereafter
Credit Quality: Bad credit
Purchases
Intro APR: N/A
Intro APR Period: N/A
Regular APR: 7.90% - 28.90%
Transfers
Balance Transfer: Yes
Intro APR: N/A
Intro APR Period: N / A
Regular APR: 7.90% - 28.90%
Transfer Fee: 5% or $5 minimum
Rewards
Reward Type: N/A
Reward Bonus: N/A
Reward Details:
- N/A
Penalties
Max Late Fee: $30 if balance is less than or equal to $1000; $35 if balance is more than $1000
Max Over Limit Fee: $19 if credit limit is less than or equal to $250; $30 if credit limit is more than $250
Penalty APR: 29.49%
Cash
Cash APR: 20.90%
Cash Advance Fee: 5% or $5 minimum
Other
Additional Info:
- N/A
One-time Setup Fee: $39
Foreign Transaction Fee: 3%
Grace Period: N/A
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