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.
Spring in the Mojave Desert

Spring in the Mojave Desert

April bedroom post now complete.

April bedroom post now complete.

Diagnosis help…

Diagnosis help…

Hornworm eating my tomatoes!

Hornworm eating my tomatoes!

poison ivy vine

poison ivy vine

cleaning! plus some advice

cleaning! plus some advice