The Orchard Bank credit card was very easy to obtain, as it carries an annual fee of $39. This card is perfect for a person starting out, such as a college student, who cannot be approved for a credit card with no annual fee. I recommend using this only as a credit building card, as there are so many other options out there with no annual fee. The interest rate is also high, at least 15% if not higher depending on your credit rating. Orchard Bank has always offered me great customer service, answering telephone questions I had. I am also able to access my account online, view transactions and statements as well as pay my bill with no charge for using the program. The credit limit is low, starting at five hundred dollars, again perfect for a starter, you cannot get too far in debt. Overall, this is an easy to obtain card, but you must pay to have the card. I would only use it until you can replace it with a card with no annual fee.