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.
Over wintering rosemary – or trying to

Over wintering rosemary – or trying to

my roooooooommm

my roooooooommm

Curtains!

Curtains!

Traces of time.

Traces of time.

Garden Update

Garden Update

My Scandinavian home

My Scandinavian home