"First Credit Card!"
Orchard Bank® Platinum MasterCard® Review
Written by: lbcutta on 2010-10-23
Overall Satisfaction
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lbcutta's review: 
Ok, I'm 29 and this is my first credit card (don't laugh). I was just approved and waiting to receive the card in the mail. I applied for a Capital One card also and was pre-approved for the Platnium one. But I'm still nervous that it may be a mistake... Lol. Anyway I'm excited about the Orchard Card. I'm trying to somewhat trying to rebuild my credit. I am a home owner and have a vehicle but my credit has always been stagnant around the 620-640 area for the big 3. Trying to make it to the 700 club.
Ok, I'm 29 and this is my first credit card (don't laugh). I was just approved and waiting to receive the card in the mail. I applied for a Capital One card also and was pre-approved for the Platnium one. But I'm still nervous that it may be a mistake... Lol. Anyway I'm excited about the Orchard Card. I'm trying to somewhat trying to rebuild my credit. I am a home owner and have a vehicle but my credit has always been stagnant around the 620-640 area for the big 3. Trying to make it to the 700 club.
1 Comment
Comment 1 by thomas1
Re: First Credit Card! 
on 2010-10-23
Congrats on your approval. Use this card to rebuild until your scores are high enough for bigger and better banks with higher lines.
This card will help you rebuild, but don't expect lofty limits, as HSBC is the stingiest bank out there. They are strictly for rebuilding.
We all have had to start somewhere. Take care of it, and make sure your balances are <10% before the statement cycles, and be sure to use them regulary for optimum scoring purposes.
on 2010-10-23 Congrats on your approval. Use this card to rebuild until your scores are high enough for bigger and better banks with higher lines.This card will help you rebuild, but don't expect lofty limits, as HSBC is the stingiest bank out there. They are strictly for rebuilding.
We all have had to start somewhere. Take care of it, and make sure your balances are <10% before the statement cycles, and be sure to use them regulary for optimum scoring purposes.
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Disclaimer: This content is not provided by Capital One Bank (USA), N.A.. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One Bank (USA), N.A.. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Capital One Bank (USA), N.A.. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One Bank (USA), N.A.. Review content is powered by Finance Globe.
