HSBC Bank
HSBC Bank is an older, respected credit card bank, and actually specializes in credit cards for those in the fair to bad credit range. Chances are, if your credit score falls into the fair credit, or even the bad credit range, you’ve seen Orchard Bank credit card offers before, and if you don’t already have one, this may be exactly what you’re looking for in terms of a credit card to begin rebuilding your credit.
The interest rate, while higher than cards for people with good to excellent credit, is very competitive. Granted, you may have to pay a larger application, account opening, or other fee upfront in order to qualify for the Orchard Bank, but once you’ve qualified for the card, and demonstrated a pattern of responsible use, you may qualify for credit limit increases, or even, once your credit score improves, a credit card specifically for those with good to excellent credit.
Here are the most current HSBC / Orchard Bank credit card offers: