Orchard Bank Platinum MasterCard® Issued by HSBC Bank Nevada, N.A.
	The Orchard Bank Platinum MasterCard® is designed for those with an average or a limited credit history who would prefer a traditional credit card over a secured or prepaid card. This card does not have an application fee, but it does charge an average annual fee that is based on your credit history. This fee is very reasonable in comparison to the amount of fees you'd pay for most prepaid cards. The interest rate for purchases will vary and standard cardholder benefits are also provided. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months. However, the best feature of this card is that it reports to all three credit bureaus. Review Date: 8/19/2008

Continental Finance MasterCard® Issued by First Bank of Delaware
	The Continental Finance MasterCard®, issued by First Bank of Delaware, is a credit card designed for those with poor credit who would like a second chance. The main benefit of this unsecured credit card is that it reports to credit bureaus. This card has an above average APR of 19.92%, and it has an annual fee of $50. It also charges a monthly maintenance fee of $12 ($144 per year). However, the monthly maintenance fee is waived for the first month. There is a one-time processing fee of $200. This means that the total amount of fees that a cardholder can expect to pay in the first year will be $382. However, this is comparable to the amount of fees that most cardholders with poor credit will be required to pay to have their account reported to the credit bureaus. Review Date: 8/4/2008

Orchard Bank Classic MasterCard® Issued by HSBC Bank Nevada, N.A.
	The Orchard Bank Classic MasterCard® is for those with an average or a limited credit history who would prefer a traditional credit card over a secured or prepaid card. This card does have an application fee, which most traditional credit cards don't have, and it charges an annual fee. However, these fees are very reasonable in comparison to the amount of fees you'd pay for most prepaid cards. In addition, cardholders can take advantage of a 0% introductory rate for purchases for six months. The interest rates for all transactions are variable. Also, standard cardholder benefits are also provided. The best feature of this card is that it reports to all three credit bureaus. Review Date: 8/19/2008