No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
If this is a CA you want to call them Mon and offer a payment in full in exchange for it NOT reporting. If they say they have reported it then you go for the PFD.
@gdale6 wrote:If this is a CA you want to call them Mon and offer a payment in full in exchange for it NOT reporting. If they say they have reported it then you go for the PFD.
This would probably be your best bet.