10-22-2009 10:19 AM
What is difference between Orchard Bank Secured & Household Bank Secured?
Is Orchard easier to qualify for?
Does anyone know the qualifications for the Household Bank Secured Card?
10-22-2009 10:43 AM
Household bank owns Orchard bank. Both report to all three as HSBC.
Orchard will give a card to anyone. I don't know if HSBC secured has any higher standards.
Orchard secured - 7.9% APR, $35 annual fee waived first year, minimum deposit $200.
HSBC secured - 12.99% APR, $35 annual fee, minimum deposit $300.
10-22-2009 02:48 PM
The difference is one is called Orchard and One is called Household...same company no other difference, low limit, high interest, lousy service, strickly a rebuilder card.
10-24-2009 07:32 AM
I'm even more confused now, when I went online to find Orchard Bank, the application comes up as Intermountain Community Bank. Any thoughts?
10-24-2009 08:26 AM
10-24-2009 11:52 AM - edited 10-24-2009 11:54 AM
Intermountain comunity bank is the bank that Orchard owns that holds your deposit. HSBC owns Orchard. Orchard owns Intermountain Community Bank. All one big happy family.