Orchard Bank MasterCard® And HSBC Platinum MasterCard®

Orchard Bank Classic MasterCards

Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages to remind you of your upcoming payment due date with online enrollment CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 months* As low as 14.90%* $0-$79* Yes* Bad Credit OK*

HSBC Platinum Visa® with Cash Back Rewards

Earn unlimited 1% cash back rewards on new net retail purchases, everywhere you shop! Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration Receive unique Visa discounts and protection on purchases made with your card 0% Introductory APR on card purchases and balance transfers for 12 months and no annual fee, for qualifying appliants* Get an instant decision in as little as 60 seconds CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 Months* 7.99%-19.80%* None* Yes* Good Credit*

HSBC Platinum MasterCard® with Cash Back Rewards

Earn unlimited 1% cash back rewards on new net retail purchase, everywhere you shop! Simple and straightforward rewards: no earnings caps, spending categories, tiers or point expiration Platinum benefits include unlimited purchases protection, extended warranties and rental car insurance 0% Introductory APR on card purchases and balance transfers for 12 months and no annual fee, for qualifying applicants* Instant decision in as little as 60 seconds CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 Months* As low as 8.99%* None* Yes* Good Credit*

HSBC Platinum MasterCard with Cash or Fly Rewards

Earn one point for every dollar of net retail purchases, everywhere you shop Redeem points for roundtrip airfare with no blackout dates with as little as 7,500 points Or redeem points for 1% cash back Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualifying applicants* No annual fee, for qualifying applicants CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 Months* As low as 8.99%* None* Yes* Good Credit*

HSBC Weekend Card

Earn a full 2% cash back on every new net retail purchase made on Saturdays or Sundays Receive 1% cash back on new net retail purchases made Monday through Friday Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance 0% Introductory APR on card purchases and balance transfers for 12 months with no annual fee, for qualified applicants.* CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Balance Transfers* 12 Months* As low as 8.99%* None* Yes* Excellent Credit*

HSBC ecosmart MasterCard® with Plus Rewards

Earn 1 point for every dollar you spend with your card, regardless of where you shop. Redeem your points for eco-rewards, or cash back, airfare, hotel stays, car rentals, merchandise, gift cards and more... Enjoy 0% Introductory APR on card purchases and balance transfers for 12 months, for qualified applicants.* No annual fee, for qualified applicants. CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 Months* As low as 8.99%* None* Yes* Good Credit*

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Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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