What types of Credit Cards Do We Offer?
One of the ways to divide an entire credit card market is into Business and Consumer categories. We serve both of these markets. However, Consumer market is in itself too large to think of as a single entity. It may be further divided into several sub-markets of credit cards.

Prime Market - this market serves that part of the population that has Good or Excellent credit history. These customers generally get the best offers, which include Low Intro and ongoing Interest Rates (APR's), Reward Programs, Low credit card fees, and many other benefits.

Sub-Prime Market - this market consists of people who either never had credit or it's in poor shape. Credit cards offered to such customers offer substantially fewer benefits, higher APR's, and higher maintenance and annual fees.
What is a credit card?
Credit cards are a privilege and a convenience. Credit cards let you charge a meal on a credit card, pay for an appliance on an installment plan, take out a loan to buy a house, or pay for schooling. Credit cards allow you to make a purchase without ready cash. A credit card enables you to buy things now and pay for them later. You get credit cards by promising to pay in the future for something you receive in the present. But, there are strings attached to credicards. Credit cards usually costs something, and what is bought with your card must be paid back.

Our Favorite Credit Card
The Household Bank and Orchard Bank credit card program offers credit cards to those with no credit, little credit, damaged credit or restored credit. They’ve helped millions of people obtain credit who may not have traditionally qualified for a credit card. Because of their reputation for outstanding customer service, modest fees and a focus on credit education, Household Bank and Orchard Bank credit cards are highly regarded by their credit card members. With a unique approach of educating customers on all aspects of obtaining and managing credit, their credit cards continue today as a leader in the under-served credit industry. Below are just a few of the many benefits of the Household Bank and Orchard Bank MasterCards.
Initial Credit Limit Up to $1000, up to $2000 for their Gold Card
Low Annual Fees, no annual fee for their Gold Card
Competitive APRs
Periodic Credit Limit Increase Reviews
Complete Online Account Access 24 Hours a Day
Complimentary Online Bill Pay
The Household Bank and Orchard Bank credit card program offers credit cards to or the Household Bank and Orchard Bank MasterCards are designed for those with little or damaged credit and those ready to move up to Gold. Because of their reputation for outstanding customer service, modest fees and a focus on credit education, the Household Bank and Orchard Bank MasterCards are highly regarded by their credit card members.

Household Bank and Orchard Bank MasterCards.
Initial Credit Limit Up to $1,000, up to $2,000 for their Gold credit card
Periodic Credit Limit Increase Reviews
Low Annual Fees, no annual fees for their Gold card
Competitive APRs
Complimentary Online Bill Pay

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