Orchard bank credit card?

can anyone with an orchard credit card tell me if they're a good credit card company to be with. I also have an annual fee of 54 dollars on the card is that bad for someone like me with fairly bad credit? and if they are not a good company can anyone tell me of a credit card that is a good credit card company for people with fairly bad credit?

Public Comments

1. They will extend credit to almost anyone, but by the time you pay all the fees you have like $50 in available credit and have to pay back over $200. Try Capital One or a secured credit card through a bank or credit union.
2. I have an Orchard Bank Master Card and have had no problem. Keep paying your invoices on time, which will reduce the balance and therefore the interest. It will also help you to regain a good credit rating. Basically, all credit card companies are the same.