Is this credit card a good choice for me...?

Question by Stacey S: Is this credit card a good choice for me...?
I have bad credit... or none, i cant get approved for anything else and dont understand all the red tape! HELP! does anyone have this card? THE ORCHARD BANK CREDIT CARD

200 min security deposit
35 dollar annual fee

Variable Rate Information Your APRs may vary. The rates are determined monthly by adding the Index (described below) and:

6.65% ("Spread") for the Customary APR for credit card purchases.
16.90% ("Spread") for

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