If you have bad credit and are struggling to find a card you can qualify for, your problems are solved with the Orchard Bank Classic MasterCards. The level of card you qualify for (Platinum, Gold, Classic, or Secured) depends on your credit history. If your credit history is poor, you may start with the Secured MasterCard, which requires a security deposit and small annual fee. With the Orchard Bank Classic MasterCards, you will enjoy free online account management tools and zero fraud liability protection. You can even enroll online for a feature that will send you e-mail and text messages to remind you of upcoming payments. If you need to build a strong credit history and want all the benefits that come with having a credit card, apply and qualify today for the Orchard Bank Classic MasterCards.