Don't let less-than-perfect credit discourage you. Credit cards like the Orchard Bank® Visa® Cards can help you get back on track. These cards give you the opportunity to start rebuilding or reestablishing your credit with good payment behavior. Here are some features of the Orchard Bank® Visa® Cards:

Reports monthly to the 3 major credit bureaus. Since this is a credit card (not a debit card), your payment and usage history will be reported to all three major credit bureaus on a monthly basis.

Provides an opportunity to rebuild your credit score. If you stay within your credit limit and pay at least the minimum balance due by the due date, your credit score will soon benefit from your responsible use of this card. We like to think of credit scores as your credit "GPA". If you Get some credit (by applying for and being approved for a credit card), Pay on time each month, and Always pay in full, you'll be able to build, rebuild, or maintain a high credit score.

Enjoy the convenience of a credit card. Use your card anywhere Visa® is accepted online and around the world. No more PINs to remember, no more heavy wads of cash to bulk up your wallet. And if your wallet is lost or stolen, simply call customer service and your card will be immediately deactivated and replaced.

Keep tabs on your spending. Sign up for free online access and you can track your spending to help you stay within budget. If you'd rather not access your information over the internet, customer service representatives are on-call to help with any questions or concerns you may have.

Set up reminders to help you pay your bill on time. Life is busy for us all, and sometimes it's just nice to be reminded to do important things like paying your credit card bill. You can set up email and/or text reminders to notify you when an upcoming payment is due.

It is Orchard Bank®'s goal to offer you a credit card that best fits your credit profile. That's why Orchard Bank® reviews your credit and offers you the best card for you. Terms and conditions of your card will be disclosed to you prior to the processing of your application. Below are some of the cards that you could be approved for:

Orchard Bank® Visa® Classic - Platinum: Purchase APR as low as 14.99%, Processing fee of $0, Annual fee as low as $39

Orchard Bank® Visa® Classic - Gold: Variable purchase APR of 19.99%, Processing fee of $19, Annual fee of $49 the first year, and $59 per year thereafter

Orchard Bank® Visa® Classic - Standard: Purchase APR of 19.99% or 24.99%, Processing fee of $39 or $59, Annual fee of $0-$29 in year one and $59 each year thereafter

Orchard Bank® Visa® Classic - Secured: Purchase APR of 7.99%, Processing fee of $0 (with a $200 minimum security deposit requirement), Annual fee of $35 (waived during first year)

Apply today and get pre-qualified in less than 60 seconds!