I had credit problems from when I was first old enough to get credit cards. Enough time had passed where a lot of my old bills were starting to fall off of my credit report, but I still could not get a credit card. Orchard Bank sent me an email, and I decided, what the heck, it is worth a try. I applied and got it! I was so excited, no more pre-paids for me. I received the card, and kept using it and paying it off. Within a year, they offered me another credit card, and so did Capital One. I applied for the Capital One card and also got that one! My credit is on the uphill after...review »