Orchard Bank MC is NOT due in full monthly, it's a normal credit card with minimum payments. I like their on-line feature, and watch all my charges and balance there anytime I please. I swear I'll never go overlimit on this card, just due to this great feature. PLUS I make my payments on-line through their web site. It's very helpful to me now that I "woke up" and started paying attention to my credit habits. So I actually pay them EARLY. (No hard with a small $300 CL is it - grin). Convenience Cards, such as some AMEX accounts require payment in full monthly. I hope this helps.
