| Yes, there's a huge crisis in the sub-prime | | | | this works now. |
| mortgage market yet there's still room in the | | | | |
| sub-prime credit offers market. The banks | | | | The first thing that will happen when you |
| certainly don't want to completely ignore the | | | | apply for an Orchard Bank credit card is a |
| sub-prime financing market so they are | | | | pre-qualifying form will be presented to you. |
| providing lines of credit via credit cards. | | | | Which you must answer honestly otherwise you |
| For the most part banks are focusing on | | | | will not qualify. They do verify your |
| secured cards there are still unsecured lines | | | | application information so avoid thinking |
| of credit available to people with bad | | | | that you will circumvent the bank process by |
| credit. | | | | using this application form. |
| | | | |
| The Orchard Bank line of credit cards | | | | After you complete the form a selection of |
| (provided through HSBC) in particular are | | | | credit cards that you can qualify for are |
| still being offered to those with poor | | | | presented to you so you will be certain you |
| credit. The acceptance process has become | | | | are applying for a card that will suit your |
| more stringent however their application | | | | needs and current financial situation. |
| process will help you get the card that is | | | | |
| right for you. | | | | Next you review the terms and conditions |
| | | | associated with the card then you hit apply. |
| Orchard Bank uses a credit selector tool to | | | | |
| ask questions and then through their | | | | The really cool feature is that you can have |
| technology will determine the right | | | | your card rushed to your door within 3 days |
| application for your current financial | | | | of qualifying. |
| situation. | | | | |
| | | | If you have lost hope in getting a credit |
| This is great news for consumer with bad | | | | card, the Orchard Bank card offers provide |
| credit because it helps to mitigate the risk | | | | you with access to a MasterCard and in |
| taken by the bank when issuing you a credit | | | | today's world of online shopping having a |
| card plus their unique system of | | | | credit card in your wallet is a necessity. |
| pre-qualifying helps you, I will explain how | | | | |