That's quite a bit more then one charge off. It's a charge off and several lates on different accounts. Since it's more then one they may see it as a pattern...
You'd be limited in what you could get, me personally I'd pay off that charge off (that amount of money, although wrong, is not worth ruining further credit over) then I'd either look into a secured card or grow what you have and wait for that charge off to fall off the credit reports THEN seek new credit
Credit unions are more forgiving. Maybe call one and ask their opinion and go from there. It never hurts to ask someone at a credit union for advice
@kittywitty wrote:I had a $300 ge capital toys r us card that is charged off due to the fact they tried charging me $80 in late fee & over the limit fee which they would not fix even though it is not legal to issue such high fee's in one billing period. basically they saw my name on a bad/skip debt list thanks to springleaf financial when they lent my husband money on very shady terms which he never paid a dime on. i had nothing to do with the loan but yet they added my name to an illegal bad debt list and as a result ge capital would not correct their billing error so i refused to pay. so that was over 2 yrs ago and i have been afraid to attempt getting another credit card. i had a chase card for 7 yrs with only 2 late's, one paid off auto loan with no lates, then my recent auto loan w/wells fargo with some late's, a 6 month secure loan paid and a credit score of 630ish. wondering about applying through one of my two credit unions for a credit card but don't won't to get a hard pull and then get turned down. i owe nobody nothing and i own my home but lenders want to get greedy when i apllied for a car loan to replace the one i had just paid off then someone else hit and totalled my car. at some point i want to get another car but i refuse to overpay in interest as i paid 10% the first time and insurance did not care what i paid for the car, only the low ball value i received. so i want to try getting my score up and i think a credit card is needed to do so. i usually use my paypal business card for everything, i have it linked to my checking account and i love the 1%cash back i get every month but it does nothing for my credit score so as much as i hate a credit card. i do not want a secured card i only want to deal with a credit union. should i apply or no? i'm afraid to try. lol
I don't know how legal it was for what GE Capital did but if you think it's illegal, you can still look into it. That charge-off will hurt you until it falls off your reports. I do suggest paying it (you might even be able to settle and still have them mark it as a paid or remove it for full payment). A lot of CC companies do not like unpaid charge-offs (paying shows that you are working to clean up your act). I suggest hitting the Rebuilding forum for support and advice. As for the lates, you can try writing goodwill letters (again see Rebuilding forum, they have samples). Cleaning up your reports will help you tremendously and lates really hurt and will hurt until they fall off.
What happened with the Chase card?
I suggest pulling your reports (if you have not done so, get your free ones from annual credit report) or you can pull them here along with your scores for a price. I don't know where you are score wise but with your baddies, you might have to consider secured cards (check into SDFCU or BoA -- SDFCU will not pull your credit for the secured card).
And yes, remember ALWAYS PAY ON TIME!! 
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