Hey folks, I got approved over the internet with Orchard Bank for one of their Mastercards, and when I received the card in the mail I was VERY disappointed. First, they charged me $69.00 for an annual membership fee. Second, the interest rate was too high and the credit limit was too low, totally different from what they offered on their website. To make matters worse, this is one of the only credit card companies I've seen that has NO toll free customer service number, AND... They aren't even open most of the day. I'd suggest to most of you: LOOK ELSEWHERE for a credit card, even if you're just beginning to establish or re-build your credit. There are better offers out there. Stay away from ORCHARD.
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