You guys heard about the new Orchardbank card?

[Phrostbyte]

3% off gas

2% off otherwise

https://www.orchardbank.com/ecare/homepage/creditcards?WT.svl=100

When I applied they approved me with a $40 annual fee so I was like F it.. but maybe you guys can do better. Their high APR/Platinum card has no annual fee. 

[Anonymous]

"Variable 14.90% - 15.99%"

That is outrageous! Rewards cards don't seem worth it to me, you just end up paying higher intrest. I suppose this is good for those that PIF.

[Anonymous]

It is interesting that their annual fees and application fees vary as well. If they are seeking people with above average credit they could get some takers if there were no fees.

[Phrostbyte]

Yeah the APR rates aren't too great but I wasn't planning on keeping an active balance between payments..

I think they might be targetting people with poor credit histories. So, nevermind about this card. Since I posted this I've done some research and apparently they give you low credit limits, their site sucks, and their customer service is horrible. Stick to your PenFeds guys. 

[Anonymous]

I would stay away from HSBC unless you are dealing with a Best Buy Card.  They always leave a sour taste in my mouth and that is why I refuse to do business with them unless I must finance something through Best Buy.

TheTaxMan

[Anonymous]

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@Anonymous wrote:

I would stay away from HSBC unless you are dealing with a Best Buy Card.  They always leave a sour taste in my mouth and that is why I refuse to do business with them unless I must finance something through Best Buy.

TheTaxMan

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And what makes the Best Guy store card any different?

[Anonymous]

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@Anonymous wrote:

"Variable 14.90% - 15.99%"

That is outrageous! Rewards cards don't seem worth it to me, you just end up paying higher intrest. I suppose this is good for those that PIF.

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 All rewards cards that I've seen have higher APRs. Even penfed is 14%. If you're paying interest on a rewards card, then you are not maximizing your rewards. If you need to carry a balance, you do it with another card.