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Check Your Credit
Details on credit cards and loans opened in your name, companies accessing your credit file, payment information, and more. Get your free credit report and score now!
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| Orchard Bank Classic MasterCard® |
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The Orchard Bank MasterCard is a great card to help you rebuild your credit and is loaded with built-in benefits to help you manage your account. Get pre-qualified in less than 60 seconds for a card that fits your credit profile, at no risk to your credit score. Reporting to major credit bureaus providing opportunity to rebuild credit Your choice of payment due dates to fit your schedule Free Standard Bill Pay and online account management tools Periodic credit limit increase reviews to strengthen your buying power E-alerts to your email or cell phone to remind you when a payment is due You could also qualify for a Platinum, Gold or Secured card • More Info Apply for Orchard Bank Classic MasterCard |
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What is Annual Percentage Rate (APR)?
The Consumer Credit Act 1974 requires companies that advertise loans or credit cards to state what the APR rate is. This enables customers to compare rates and to see the true rate of interest repayment over the full year.
For example if the interest is 1.5% per month, then APR is the equivalent rate over a year, which is 19.56%.
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What is the Grace Period (Free Period)?
The grace period allows you to avoid paying a finance charge by paying your current balance in full before the
"due date" shown on your statement. Many credit card companies offer a grace period, but not all do. If there is
no grace period, a finance charge will be imposed on each purchase from the day it is posted to your account.
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What is the transaction fee for cash advances?
Any charge imposed when you use the card for a cash advance. If the card charges transaction fees for purchases, these fees will also be stated here.
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