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.
plant id, peppers

plant id, peppers

My Room =)

My Room =)

Conjoined tomatoes, and fuzzy soybeans

Conjoined tomatoes, and fuzzy soybeans

My Room

My Room

Resident bird

Resident bird

Need ID on a plant. Imagine that!

Need ID on a plant. Imagine that!