Credit Guide

The Orchard Bank Gold MasterCard is designed for the average person who has an average or limited credit history. Card holders like this card because it does not require a deposit to secure the credit card account. A deposit is required when opening many other secured credit cards.

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The Orchard Bank Gold MasterCard, which is issued through HSBC Bank Nevada, N.A., has an annual fee of $79. Although this may seem like a lot, it is actually average for this type of card. The card's variable APR of 15.90% is quite reasonable, but can be costly for anyone carrying a balance from month to month. The variable APR on cash advances, however, jumps significantly to 24.40%! There are, of course, finance charges for any purchases that are not paid for within the first 25 days, and there are charges for other services like cash advances. Fees are also charged when you go over your credit limit. There is no minimum or maximum credit limits on the Orchard Bank Gold MasterCard.

* 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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Another fee that is associated with this card is an application fee of $19. That means anyone who applies and receives the Orchard Bank Gold MasterCard can expect to pay $98 in various fees in the first 12 months.

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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There are some nice benefits associated with this MasterCard, too. There are no charges if you'd like to add an additional card to your account. You will get many common cardholder benefits like emergency card and cash replacement, lost and stolen card reporting, and the cardholder is not liable for unauthorized transactions on the card. This card also reports to the credit bureaus, so you can build a better credit history if you use your Orchard Bank Gold MasterCard wisely and make your payments on time.

- International delivery charges depend on your location; please see the Shipping and Returns page for rmation on international delivery charges and times. You can pay by MasterCard, Visa, American Express credit cards, as well as Switch, Solo and Delta debit cards. Order and credit card details are protected by SSL version 3, 128bit encryption. You may also pay by bank (wire) transfer or Credit Card via Telephone. Advanced MP3 Players account details will be made available for this purpose.

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So, the Orchard Bank Gold MasterCard has a reasonable APR and gives many with average credit an opportunity to build a solid credit history. Although it does charge a hefty annual fee, it may be a good card to look into.

The Bank has to Report and Share Certain Aspects of My Personal Information The law (the National Credit Act ("NCA")) requires the Bank to report information such as your personal details, the details of any credit agreement entered into, terminated or settled, to either the National Credit Register or to a registered credit bureau. The information that the Bank reports to this organisation may be used by the Bank to determine whether you are credit worthy, to trace you, or employment information and to prevent fraud.

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For more information or to apply for the Orchard Bank Gold MasterCard, Beth Derkowitz recommends Find Credit Cards.

Payment may be made via Visa, Master Card, Diners or American Express credit cards or by bank transfer into the SAcamera bank account, the details of which will be provided on request Credit card acquiring and security Credit card transactions will be acquired for SAcamera by Iveri who are the approved payment gateway for Nedbank. Iveri use SSL3 and no credit card details are stored on the website. Users may go to www.iveri.co.za to view their security certificate and security policy. Customer details separate from card details

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