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.
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What a night!

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ID?

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Rose help?

hi!

hi!

i’m new

i’m new