When I was in a period where I had bad credit and was wanting to rebuild my credit, The Orchard Bank Mastercard was one of the easiest cards to get approved for with bad credit. The one thing that this company is good for is giving second chances to people who are "credit challenged". The only problem is that they really tend to prey on these people and really seem to not be in the best interest of someone who has credit problems. First of all, they will give you a high interest rate. Sometimes these rates can be in the range of 20 to 30 percent. The card also has an application fee and a substancial annual fee. After being a loyal customer of 4 years, they would still not remove this yearly fee that was around 75 dollars. If you are looking to get a credit card and you are desperate, Orchard Bank is probably the company for you. But be careful, the terms can really get you into trouble if you are not careful.