Visa Credit Card to Build Credit

Visa Credit Card to Rebuild Credit

The Orchard Bank® Visa® Credit Card can help consumers with no credit, limited credit or bad credit build a credit history. It is a great Visa card choice for consumers who do not have many options but need a credit card.

Who Can Qualify for this Credit Card

Consumers with a credit score of 500 and above who want to either rebuild or establish a credit history. Over 1,830,764 consumers have used Orchard Bank Cards to rebuild their credit. These cards are designed to help you get back on track.

Pre-Qualification

One of the distinct features about Orchard Bank cards is that consumers are pre-qualified offering the unique opportunity to see which credit card or cards you can qualify for prior to a hard credit inquiry on your credit report. If you are not qualified for an unsecured credit card, you may be offered a secured credit card instead. The pre-qualification process takes around 60 seconds.

Benefits

Because Orchard Bank reports to all three major credit bureaus you can improve your credit history if you manage your credit card use wisely and make timely payments.

Rates

The APR for the Orchard Bank Visa® Cards depends on the credit card you are approved for. If you are approved for unsecured card, the APR is 14.90% to 19.90%. If you are approved for a secured card, the APR is 7.90%.

Online Account Management

Access your account online 24/7 to review recent activity, make payments and get electronic alerts. Live representatives are also on-call and available to assist you with questions or concerns.

Review

You may think there is no credit card available for bad credit but the Orchard Bank® Visa® Credit Card has helped countless consumers rebuild credit history and regain creditworthiness. There is no application fee and no monthly participation fee; however, there is an annual fee for unsecured credit cards between $19 and $59 depending on your credit score. There is no annual fee if you are offered the secured credit card.

Orchard Bank® Visa® Credit Card account holders will appreciate fraud protection services, emergency cash replacement, emergency card replacement and access to your account online. They even offer text messaging alerts.

The Orchard Bank Cards have assisted all variety consumers, from all walks of life, with establishing and re-establishing if managed correctly. Unlike a prepaid credit card which many consumers with bad credit carry, the Orchard Bank® Visa® is a real credit card which reports monthly to all three credit reporting agencies, Experian, Equifax and Transunion.

Apply online for an Orchard Bank® Visa® Credit Card today!

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