Headquartered in London, HSBC is one of the largest banking and financial services organisations in the world. HSBC’s international network comprises over 9,800 offices in 77 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa.

With listings on the London, Hong Kong, New York, Paris and Bermuda stock exchanges, shares in HSBC Holdings plc are held by nearly 200,000 shareholders in some 100 countries and territories. The shares are traded on the New York Stock Exchange in the form of American Depositary Receipts.

Through an international network linked by advanced technology, including a rapidly growing e-commerce capability, HSBC provides a comprehensive range of financial services: personal financial services; commercial banking; corporate, investment banking and markets; private banking; and other activities.

The Orchard Bank is a member of HSBC group. The Orchard Bank credit card program offers credit cards to those with no credit, little credit, damaged credit or restored credit. They’ve helped millions of people obtain credit who may not have traditionally qualified for a credit card. Because of their reputation for outstanding customer service, modest fees and a focus on credit education, Orchard Bank credit cards are highly regarded by their card members. With a unique approach of educating customers on all aspects of obtaining and managing credit, their cards continues today as a leader in the under-served credit industry.

Orchard Bank® Classic MasterCards
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
N/A	14.99% – 19.99% or 7.99% for Secured	see terms	see terms	see terms	$39-$59 for the first year, $59 per year thereafter*
The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit, with reporting to the three major credit bureaus on a monthly basis. See the card you’re more likely to be approved for, risk and obligation free, and in just 30 seconds! An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly! Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages are available to remind you of your upcoming payment due date Knowledgeable customer service representatives to assist you with questions or concerns

Orchard Bank® Visa® Cards
Rates			Fees
Intro Rate	APR	Cash Adv. Rate	Cash Adv. Fee	Late Fee	Annual Fee
N/A	14.99% – 19.99% or 7.99% for Secured	see terms	see terms	see terms	$39-$59 for the first year, $59 per year thereafter
The Orchard Bank® Visa® Credit Card can help you get your credit back on track. We report monthly to all three major credit bureaus giving you the opportunity to rebuild your credit with good payment behavior! Go online now to see the card you’re more likely to get approved for, and get a response in less than 1 minute! Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages are available to remind you of your upcoming payment due date Knowledgeable customer service representatives to assist you with questions or concerns It is our goal to offer you the credit card that best fits your credit profile based on your consumer credit report and other information you provide us. You may be offered a secured card or an unsecured card which will be disclosed before your application is processed.