Note: All Orchard Bank credit cards are now issued by Capital One.
Applying for an Orchard Bank Online EcoSmart Gold MasterCard gives consumers the opportunity to make a bold stand for the environment as well as the chance to improve their financial outlook. Orchard Bank Online EcoSmart MasterCard account holders are able to review and pay their bills over the web and the credit card itself, is made from unique materials that will break down much faster than other credit cards. Although your Orchard Bank EcoSmart Gold card won’t disintegrate in your hands, these personal credit cards won’t clog up landfills for the next 100 years.
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You don’t need to have a good credit score in order to qualify for the Orchard Bank Online EcoSmart Gold MasterCard, but you will pay a higher interest rate. In many cases, people with bankruptcies, judgments, and repossessions are only able to get secured credit cards.
Orchard Bank Online EcoSmart MasterCard Details
With an Orchard Bank Online EcoSmart credit card, you can graduate to a new credit card as soon as you have proven yourself creditworthy. The California Department of Consumer Affairs has a wealth of information on credit cards, credit ratings, and major areas of concern for consumers.
This credit card is serviced by HSBC Bank. There is a chance that you will approved from a different credit card as Orchard Bank Online has a unique credit card selection and application process. If you are approved for a secured credit card, you can always graduate to the Orchard Bank Online EcoSmart Gold MasterCard at a later date.
Orchard Bank Online EcoSmart MasterCard Fees
As with other poor credit credit cards, the Orchard Bank Online EcoSmart Gold MasterCard comes with a number of fees. There is not an introductory interest rate, and cardholders pay 19.90% APR on all financed purchases.
The yearly maintenance fee on the Orchard Bank Online EcoSmart Gold MasterCard ranges from $29 to $59 each year, depending on what promotions are currently being run when you apply. Cardholders that want to transfer balances from their other credit cards will pay either 14.90% or 19.90% on their balances.
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