I applied for the Orchard one and all I qualified for was the prepaid card. I don't know what it is about my credit. Even with my score being in the 600's on EX, I can't get a card.
Take the Orchard card, keep util between 1 and 9 percent, periodically add a $100 to the attached savings account.
My advice is to get three secured cards. Take the hit on inqs and new accounts now, while your score is mediocre anyway. These are short-term hits, whereas the benefits of having more positive TLs are lasting and only grow with time.
Well I managed to get an instant approval for an unsecured card for $300. It's not the best, but I'll take it for now so that I can have some sort of positive tl. I will probably get the secured cards too.
