Poor Credit

Orchard Bank® Visa® Cards, issued by HSBC Bank Nevada, N.A., are a group of cards that offer applicants with a limited credit history the opportunity to establish better credit*. Applicants of this offer are eligible for any one of the following four cards, depending on their credit history.

The Orchard Bank® Platinum Visa® is ideal for applicants who want a credit card to help their credit history, but without the requirement of a security deposit. The annual fee depends on the applicant's credit history and may be $39 or $59. The interest rate is average for this type of card.

Another member of Orchard Bank® Visa® Cards profile is the Orchard Bank Secured Visa®. The major benefit of this card is the reasonable $35 annual fee, which is waived for the first year of cardmembership. The deposit for this secured card earns interest annually and the card provides additional cardholder benefits which is unusual for a secured credit card.

The Orchard Bank® Standard Visa® is another offer. The processing fee is $39. The annual fee for the first year is $29 and then $59 per year thereafter.

Finally, there is the Orchard Bank® Gold Visa®. The annual fee is $49 the first year, and $59 per year thereafter. Also, applicants should expect to pay an account processing fee of $19.

These cards share common benefits including credit bureau reporting, 24-hour customer service assistance, online account access, and periodic credit limit increases for those who qualify.

Those in need of a credit card that can possibly improve creditworthiness in exchange for the out of pocket costs of additional fees may find one of the Orchard Bank® Visa® Cards to be a good fit.

*It is HSBC’s goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card with different terms and conditions, which will be disclosed before your application is processed.

Orchard Bank Classic MasterCards, issued by HSBC Bank Nevada, N.A., are a group of cards that offer applicants with limited credit histories the opportunity to establish better credit*. Applicants of this offer are eligible for any one of the following four cards, depending on their credit history.

The Orchard Bank Platinum MasterCard® is ideal for applicants who want a credit card to help their credit history, but without the requirement of a security deposit. The annual fee depends on the applicant's credit history and may be $39 or $59. There is no account processing fee and the interest rate is average for this type of card.

Another member of Orchard Bank's Classic MasterCards profile is the Orchard Bank Secured MasterCard®. The major benefit of this card is the reasonable $35 annual fee, which is waived for the first year of cardmembership. The deposit for this secured card earns interest annually and the card provides additional cardholder benefits which is unusual for a secured credit card.

The Orchard Bank Classic MasterCard® is another offer. The annual fee is $29 the first year and $59 per year thereafter. There is also an account processing fee of $39 per year.

Finally, there is the Orchard Bank Gold MasterCard®. The annual fee is based on a review of the applicant's credit history and will be $49 the first year and $59 per year thereafter. Also, applicants should expect to pay $19 for the account processing fee.

These cards share common benefits including credit bureau reporting, 24-hour customer service assistance, online account access, and periodic credit limit increases for those who qualify.

Those in need of a credit card that can possibly improve creditworthiness in exchange for the out of pocket costs of additional fees may find one of the Orchard Bank Classic MasterCards to be a good fit.

*It is HSBC’s goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card with different terms and conditions, which will be disclosed before your application is processed.

The Horizon Gold Card is a completely unsecured credit card that does NOT require a credit check or an initial security deposit to get you started! You can use your Horizon Gold Card at www.thehorizonoutlet.com, an online superstore with all your favorite goods and brand names.

There is absolutely no credit check required to get your Horizon Gold Card. All you need is a debit or credit card open in your name, proof of identification, and a valid US street address! Once all these things are verified, you’ll be approved! Everyone is approved for the Horizon Gold Card so bad credit and no credit consumers are welcome.

You’ll receive a Horizon Gold Card with a $500 dollar unsecured credit limit. This Horizon Gold Card is NOT a credit card in the traditional sense; it is only good at www.thehorizonoutlet.com! This is a great way to get the stuff you need, without having to go through embarrassing credit checks or putting down costly security deposits.

The Horizon Gold Card has a 0.0% interest rate for ALL of your purchases. There is a minimum monthly payment due, but you WON’T accrue interest on any balance you carry from month to month. Plus, all Horizon Card Services members are automatically enrolled in our monthly membership benefit plan.

The monthly membership benefit plan includes a $500 unsecured Horizon Gold card, access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits. If you have bad or imperfect or insufficient credit, but still have the need to shop online (and who doesn’t) then check out the unsecured Horizon Gold Card!