HUNTINGTON, NEW YORK -- About a year and a half ago, I applied for an Orchard Bank Gold Master Card and am a very satisfied customer. There was an annual fee of $39.00, but for that I received 0% for a year and after that an APR of 12.9%. At the end of the year, the gave me a credit limit increase and since I had paid on time, pre-approved me for a second card, the Orchard Bank Platinum Visa. This card had an annual fee of $29.00, but came with a 0% APR for 18 months and then a regular APR of 11.9% locked there after. I kept the Gold Master Card opened and still received great offers for 0% on balance transfers regularly (twice in the past four months). The customer service is excellent and aside from the annual fees (which are minimal) I have never had to pay a penny for interest on purchases in the year and a half I've been with them. I highly recommend doing business with this company, I'm very satisfied!