I have held a secured credit card with Orchard Bank (HSBC) for over 2 years in good standing. I recently applied for an Orchard Bank Credit Card. When I received the new card in the mail, I activated it. I then went online to set up my online account access. Under my statement, I noticed the annual fee (expected) and a "rush processing fee" for $35.00 (unexpected) had posted to my account. When I applied for this card, I did not immediately need to use the card so I did not request a rush processing fee. I sent an e-mail to... read full review »