One more piece of advice: if your charge-off was January of this year, it might be better to let that negative slumber for a year before applying. I was denied for Chase Freedom with a 6-month old baddie, but approved with no hassle after it had aged to a year.
Gardening since May 2015
It would be worth to garden for a bit. The charge off from this year is still quite a bit fresh. Chase likes at least 6 months of prior use with a clean report. More so at least a year for people with any negative account info on their credit report. But before you do decide to apply, get your balances paid down before the statements cut so it doesn't look like you have a few cards that have high utilization.
@coldnmn wrote:6 months and all your new cards and inquiries may put up red flags for getting new cards in the short term. In my opinion garden your current cards a minimum of six more months to show some payment history. Applying for to much credit to soon makes you look desperate for credit. No credit company is willing to extend large credit limits if it appears to be a sinking ship in my opinion.
In addition to the above advice, I would concentrate on GW letters for your baddies. Three recent COs and 6 new TLs are hurting your profile
@diebadcredit6504 wrote:I'm going to have all my balances at zero excpet for one which will be below 20%... Your right about the chargeoff I need to let it age a little longer.
That said, you should be extremely proud of how quickly you changed your score in such a short time. 173/100/163 points in 7 months is remarkable.