Category: Credit Cards

Closing Credit Cards

When starting your credit repair journey you may be tempted to close credit card accounts, especially if the credit card has negative entries on it such as a late payment. This is a bad idea. It’s actually better for your credit score in most cases if you keep …

Orchard Bank Credit Cards Are Not A Scam

I have had about a dozen people ask me if Orchard Bank credit cards are a scam. If you aren’t familiar with Orchard Bank credit cards, they are designed specifically for people with bad or no credit. Orchard Bank (HSBC) offers several types of these cards, such as …