Orchard Credit Card

Orchard Credit Card

I have bad credit due to stores credit and student loans so I really can't apply for a Credit Card. However there is a credit card from Orchard Bank where you have to pay $98 ($49 down; $49 annual fee). Does anyone know if it works to improve your credit? I really need to build my credit and will use this as emergency card.
Pink And Yellow

Pink And Yellow

more garden pictures

more garden pictures

It’s spring!

It’s spring!

Spots on my holey Avovado “Tree”

Spots on my holey Avovado “Tree”

Balcony garden

Balcony garden

Painting

Painting