One huge advantage of applying for this no credit mastercard is that, remarkably, they do not demand any one-off fees from the individual applying but still offer security for any bought with it. The Orchard Bank Platinum Mastercard, just like the Continental Finance Gold Mastercard, details account usage regularly to the primary credit authorities which can rapidly improve your record. Two other advantages to this specific card over others includes the closely matched annual percentage rate it enforces and a much lower annual payment which can be of fantastic help to those who are financially embarrassed.