An Orchard Bank credit card can help you establish the good credit necessary to get along in the world today, even if you have no prior credit history, a bad credit record or bankruptcy.

The world has gone credit card mad. At least it seems that way these days, and it is getting more and more difficult to do even basic things without having a decent credit history and at least one major credit card. For example, these days you can’t even check into a hotel without a valid credit card, or rent a car, or lease an apartment, and the list just goes on and on… (more…)

The average American home has at least one household bank credit card and recent estimates place that figure at 81% of households. The growth of the credit card industry continues even as other sectors of the economy seem to be slowing down.

Reasons vary for obtaining a credit card but many people use credit cards as a manner of convenience—both in shopping without needing cash and tracking purchases. Many credit card companies offer a summary of spending in various categories such as groceries, restaurants, airlines, etc. which can assist customers with personal accounting. (more…)

Getting the best rate on a new credit card can save you hundreds or even thousands of dollars in the long run.  Looking at it this way, is easy to see how important it is to chisel away as many points as possible on your standard credit card interest rate.  It’s also important for another reason; if you should decide the interest rate of the card is too steep later on, canceling the card and switching to another could potentially have a negative impact on your credit score.

So how can you choose a card with the best possible interest rate?  In this article we will cover the basics of credit card comparison, to help you choose the best possible card–with the lowest interest rate–available to you. (more…)