For the consumers that suffer from a very poor credit rating and credit history, banks have an option of either a pre-paid debit card or a credit card. However the credit card comes with a extremely high annual percentage rate on most of them. The idea of owning a credit card is not the solution for consumers with a bad score, here they are expected to make regular monthly payments towards the amount spent to enhance their credit score. This is ideal for those working towards improving their credit rating. The Orchard Bank Classic Master Card comes with an interest rate that can vary from nine percent or go all the way up to twenty four percent, it also include an annual fee and has no promotional offers on it.