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.
Purple Jumanji flower??!!

Purple Jumanji flower??!!

New (Empty) Apartment

New (Empty) Apartment

Whazzat?

Whazzat?

My room!

My room!

Red/Black/Grey/White Theme, and the occasional safari print.

Red/Black/Grey/White Theme, and the occasional safari print.

And a big eff yoo to Winter >:[

And a big eff yoo to Winter >:[