Orchard Bank - Hsbc
Holds funds even though they already debited bank account!
I have had an orchard bank credit card for 3 years now. It is an unsecured card with a $300 limit. For 3 years I have made my payment on time every month, but haven't used the card very much. Lately, to boost my credit score, I started completely paying the card off, then using it for groceries and ...