Send in one application to Orchard Bank, a subsidiary of HSBC, and you’ll be considered for four different cards. Based on your credit, you may be offered one of three unsecured credit cards or a secured card.

Pandora Jewelry credit card program is available to use on the full line of Pandora Jewelry products and collections — including bracelets, charms, watches, necklaces and pendants. The special financing program is currently available for purchases at select Pandora Jewelry concept stores nationwide.

Wells Fargo bank announced Wednesday it will be offering free credit scores and credit reports to all of its customers through November 16, 2014 — you can get these scores by obtaining a personal access code from a Wells Fargo branch. The bank also has provided some credit management tips on its website as part of the promotion. Wells Fargo also offered free credit reports and credit scores in 2013 and 2012.

Get your free Wells Fargo credit score and complimentary credit report by visiting any Wells Fargo location to get your personal access code. For more information about this limited time promotion, visit https://www.wellsfargo.com/freecreditscore and take part of the “Get Smart About Credit” program Wells Fargo is offering.

A move by Wells Fargo Bank to lower the bar for certain government-backed mortgages is stirring hopes of home-ownership among people with credit scores battered by the recession. The San Francisco-based bank, which is the country’s biggest mortgage lender, said recently that it would begin accepting scores of 600, down from 640, for FHA and VA loans, which require as little as a 3.5 percent down payment.