Orchard Bank MasterCard

Orchard Bank MasterCard is a credit card that you can get even if you have a poor credit rating. HSBC is issuing it so that gives you peace of mind and security because HSBC is a very trusted name in banking. Fees aren't too high either (for a poor credit rating card) and that makes it desirable. Depending on your credit rating you will be be approved for Orchard Bank Secured MasterCard, Orchard Bank Gold MasterCard, Orchard Bank Platinum MasterCard or Orchard Bank Prime MasterCard. Cards have online application.

Good sides:

• Very unlikely to get turned down, even with poor credit rating
• Reasonable fees
• Reported to 3 major credit bureaus
• Accepted everywhere where MasterCard logo is displayed
• Easy online application credit card
• HSBC guarantees peace of mind and security
• Give you various internet account related services and similar benefits

Bad sides:

• Fees are average and not low and this is actually another good side because this is a credit card you can get with poor credit rating
• Perhaps a bit too many different fees, but again, this is understandable too
• Available only in USA

What it offers:

• Fast delivery time - 3 days if you choose rush processing
• Poor credit friendly, easy to get
• 24/7 online access to account and various other benefits
• You don't have to pay for unauthorized use (meaning peace of mind on the internet)

Summary

This is a very good choice for people with poor credit rating or average credit rating. Fees are reasonable and the big name of HSBC is issuing it, so you can have peace of mind. Perhaps one of the best choices for poor credit rating card.

Update:

There were some bad reviews about this card that may or may not mean that the card is actually bad. If you decide to look what other cards are out there, check my Hubs on credit cards for poor credit.