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.
I do heart my room (and my first apartment)

I do heart my room (and my first apartment)

Color request

Color request

A couple of questions

A couple of questions

I rearranged my room

I rearranged my room

Pretty Mums

Pretty Mums

Plants for a shady area of my yard

Plants for a shady area of my yard