Credit Guide

Having a bad credit history may greatly affect a user's future credit card applications, at least for the next seven years down the road. With tainted, poor or bad credit history, there are only two options left for the down-on-its-luck credit card user: go with cash or get the Orchard Bank Silver MasterCard.

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One of the few credit cards that will not shun card users with bad credit histories, the Orchard Bank MasterCard offers a multitude of privileges all over the world within 22 million locations. In addition, the card aids in the rebuilding of good credit reports as it is also responsible for reporting to all three credit bureaus on a monthly basis, thereby strengthening its users' credit scores.

* or refunds. Due to MasterCard's and Visa's regulations we are not permitted to return funds to your MasterCard or Visa Credit Cards. Therefore, deposits made using MasterCard or Visa Credit Cards will not be counted in your Casino Deposit Balance. Cash Outs will be returned via Wire Transfer, Bank Draft express or Bank Draft (which is more convenient for you), or via Moneybookers, Click2Pay, Firepay or WebMoney if you have used these methods in the past.

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Apart from that, the user is also not held accountable for unauthorized charges, thus making it a great tool for shopping on the Internet. In fact, the Orchard Bank MasterCard users are also able to access their online account 24 hours a day, as well as make bill payments with the card without a usage fee incurred.

With your BlueBean electronic MasterCard you can life in a fun way. The electronic card also keeps you from spending more than your available credit limit. Free internet banking and telephone banking also makes banking simpler, better and faster... The bluebean MasterCard Electronic Credit Card is yet another way we help you to finance fun, fashion, food, in short, finance life. and here'

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However, getting approved for a credit card does not mean that users should go on a spending spree, not especially with this card. For starters, a high annual fee of $49 and an application fee of another $49 are imposed, resulting in total fees payable of $98 within the first year of using the card.

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Additionally, interest rates of the Orchard Bank MasterCard are charged based on a variable annual percentage rate (referencing to the Prime Rate), which ranges from between 15% to 17%. Also, the APR for cash advances stands at 24%, with an additional 5% of cash advance fee (or a minimum of $5) applicable for each cash advance transaction.

You may pay for an order by credit card or by bank transfer. line (via our SSL secure payment system), VISA or MasterCard. We will debit your credit card before we acknowledge your order. However, delivery of any products ordered from our web site are subject to authorisation of your credit card payment by the bank payment centres.

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Finally, the Orchard Bank MasterCard has an interest-free grace period of 25 days for payments to be made. Once the grace period is over, there will be a $30 late payment fee chargeable for every $1000 outstanding balance and a $35 fee for balances over $1000. Surpassing credit limits are also a big no-no as users will be charged an extra $30 for this. Evidently, for every good bargain, there are always strings attached.

Customers may purchase hardware online using either a VISA or a MasterCard credit card. Q. Are other payment options available Yes. If you do not have a VISA or Mastercard, payment can be made by international telegraphic ( wire) transfer to a bank account. Q. Are discounts available for hardware purchases

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For more information or to apply for the Orchard Bank MasterCard, Eric Wasselman recommends Find Credit Cards.

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