I have a credit score of a 520-530 and was able to get an unsecured card. However they charged me a 19 dollar processing fee, and a 79 dollar annual fee. Once I got my card I held on to it for a couple of days before activating. I gave them a call and said that the annual fee was too high esp. since they charged me 19 bucks to set up the account and I was going to cancel the card because the fees were to high. After being transfered to a manager the annual fee was reduced in half to 39 bucks. So all in all it costed me around 60 dollars. Not bad considering I have such a low fico. I assume this is a great card to rebuild damaged credit especially if you can haggle for a lower annual fee.

I don't now why this card has such a low rating. I absolutely love this credit card. Granted the credit line is rather low for me $700, but the perks are great. Their is no annual fee for my card and it gives me limitless 2% cashback on everything I buy. The only caveat is that those rates are for people with excellent credit. Overall love the card and use it on a daily basis.

The general idea behind this credit card is great. But they prey on people. They will raise your interest rate up to 25% for being one day late. They target people with bad credit and make sure to keep it that way. Their business practices should be reviewed and changed. I tried to close this account and they wouldn't let me, and they tack on a fee every month. I'm just letting it go and in a few years, they'll settle with me for half of whats on the card. I'll never use this company for anything again.

i had this card for 2 years my payment was $66.00 i typed in 62.00 by mistake they charged me late fee and raised my apr from 12 to 24 because of this mistake i call them they said o well so for 4 dollars mistake i got the shaftedand they closed my account they were rude and didnt want to do anything about it. beware david stevens

I've had this card for a few years now. It was very easy to get approved for it. Also, since I have kept my account in good standing, they raised my credit amount by $200!! It is a great card to have and I'm also able to do my billing online which I love. It saves me so much time and I can view it and tell how much available money I have on the card. I would definitely recommend this credit card company!

This credit card is great if you are looking to rebuild your credit. Since I was a college student who was having problems covering bills this credit card allow me to keep afloat and not horribly ruin my credit. The customer service is great and I use the card wherever I go. I recommend this card to all my family and friends.

I have had an Orchard Bank credit card since 2005. I went through a painful divorce that left my prior perfect credit in shambles. Orchard Bank gave me a low credit limit and has raised it periodically ever since. The website is easy to use and that is how I make payments and manage my account. This is a great card to rebuild you financial life with. It has been a real help to me.

In my experience with credit cards for those with questionable credit, HSBC Orchard Bank was one of the better card systems I dealt with. Their APRs and fees were more clearly explained than with other companies I have dealt with, and their customer service reps in my experience were helpful and polite. They helped me to rebuild my credit with less hassle than others.

My account has a low credit limit, but it is helping me rebuild my credit. I had declared bankruptcy in the past, but was able to get a credit card with Orchard. The interest rate is acceptable and I've had no problems with customer service. I like their website for making payments. It is very easy and free to use.

I do not like this card. I paid my first bill and shortly after was charged a late fee even though I paid it on time. When I called, they refused to waive the fee.