"APPROVED!!"
Orchard Bank® Premium No-Fee Platinum MasterCard® Review
Written by: thomas1 on 2008-05-28
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
thomas1's review: 
Was sent invite to apply for this card. Went to website and applied, and it was a go! No AF, 7.9% rate. Opening line of $2600.00. Was offered BT at 0% until October 08. I like everything about the card and especially the 2% cash back rewards on EVERYTHING!!... Max cap of $400 rewards per year. I will keep this card as it will help me with utilization also.
Was sent invite to apply for this card. Went to website and applied, and it was a go! No AF, 7.9% rate. Opening line of $2600.00. Was offered BT at 0% until October 08. I like everything about the card and especially the 2% cash back rewards on EVERYTHING!!... Max cap of $400 rewards per year. I will keep this card as it will help me with utilization also.
5 Comments
Comment 2 by arod
Congrats 
on 2008-05-29
Congrats on your approval and I have the regular Orchard bank card with $500 credit line.
And yes Im surprise to see this kind of credit line and It worth having a card with this limit.
Good Luck and keep us informed with this card.
Thank you,
Alex
on 2008-05-29 Congrats on your approval and I have the regular Orchard bank card with $500 credit line.And yes Im surprise to see this kind of credit line and It worth having a card with this limit.
Good Luck and keep us informed with this card.
Thank you,
Alex
Comment 3 by meya
Whaaaat! on 2008-05-29
You mean to tell me that Orchard has cards with this type of limit? Gone Thomas with ya bad self!
on 2008-05-29 You mean to tell me that Orchard has cards with this type of limit? Gone Thomas with ya bad self!
Comment 4 by mrrob
Congrats on 2008-05-31
Hello all,
new to this board, have been reading all of the respondes. This board is extremely helpful. Congrats on your orchard platinum card
on 2008-05-31 Hello all,new to this board, have been reading all of the respondes. This board is extremely helpful. Congrats on your orchard platinum card
Comment 5 by nrodluvsu2
Its Not What You Think! on 2009-08-31
I am a student with new credit and was forced to begin my credit through HSBC's Orchard Bank but I am really upset and concerned with the quality of internet security HSBC Orchard Bank Premium card provides. I recently had an unknown person try to pay my card through the internet with a card number completely foreign to me. When this payment bounced Orchard Bank had also charged a payment returned fee as well. When I first spoke to an agent in India which was very uncooperative and sarcastic she told me that This card company did not provide any insurances for cardholders in terms of internet fraud and in these internet circumstances could not refund or withdraw penalty fees although she saw and agreed that this payment was not my own. I also questioned how one would be able to post a payment to my account without going through a bank verification like usual. She understood how this didn't make sense but still told me there was nothing the company could provide for me. So my suggestion is find another card which will provide security on the increasingly popular internet banking front. If my credit card company is pushing my to go "paperless" and use the internet I feel like they should provide me security in this medium as well? I feel like this is abusive and of much concern to us common people, as I feel like this is a scheme to make money on penalty fees. Please look out and ask questions folks, for your money's sake!
This is but one of the complaints for this card. Please do some research on online review boards!
on 2009-08-31 I am a student with new credit and was forced to begin my credit through HSBC's Orchard Bank but I am really upset and concerned with the quality of internet security HSBC Orchard Bank Premium card provides. I recently had an unknown person try to pay my card through the internet with a card number completely foreign to me. When this payment bounced Orchard Bank had also charged a payment returned fee as well. When I first spoke to an agent in India which was very uncooperative and sarcastic she told me that This card company did not provide any insurances for cardholders in terms of internet fraud and in these internet circumstances could not refund or withdraw penalty fees although she saw and agreed that this payment was not my own. I also questioned how one would be able to post a payment to my account without going through a bank verification like usual. She understood how this didn't make sense but still told me there was nothing the company could provide for me. So my suggestion is find another card which will provide security on the increasingly popular internet banking front. If my credit card company is pushing my to go "paperless" and use the internet I feel like they should provide me security in this medium as well? I feel like this is abusive and of much concern to us common people, as I feel like this is a scheme to make money on penalty fees. Please look out and ask questions folks, for your money's sake!This is but one of the complaints for this card. Please do some research on online review boards!
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of 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.
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.
