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.
Help Again-Living Room Wall Woes

Help Again-Living Room Wall Woes

A pink surprise!

A pink surprise!

my room.. finally

my room.. finally

ID

ID

So today I was Weeding….

So today I was Weeding….

Proper paint?

Proper paint?