Chase and Discover questions

[lithium78]

Honestly, your best option right now is to forget about unsecured cards for a while (except for your Capital One card, of course).  If you can scrape together $1000 for a deposit, you could get a secured card from a credit union or different bank to use for car rentals, hotel stays, etc., since they frequently won't take debit cards (or they will hassle you about it).  A credit union might be your best chance to get a secured card without an AF.  When your credit improves, most financial institutions will unsecure the card and refund your deposit.

[CreditScholar]

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@lithium78 wrote:

Honestly, your best option right now is to forget about unsecured cards for a while (except for your Capital One card, of course).  If you can scrape together $1000 for a deposit, you could get a secured card from a credit union or different bank to use for car rentals, hotel stays, etc., since they frequently won't take debit cards (or they will hassle you about it).  A credit union might be your best chance to get a secured card without an AF.  When your credit improves, most financial institutions will unsecure the card and refund your deposit.

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+1. I have to agree with the others and say that your odds of getting anything from Chase is quite low. I wouldn't even bother in this case until your credit has cleaned itself up a lot more. If you're not even at 620, I'm pretty certain they won't even touch you regardless of whether or not you've paid back past debts.

Getting a car and home loan through Chase is different since it's secured debt, which is quite different to unsecured debt (credit cards). This is doubly true if you've burned them in the past.