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I had a Zync card that was cancelled because I failed to provide them with paperwork for their NAZI financial review and defaulted on about $520 (I was in college) and it was charged off. I had the card for about 2 years and my highest balance ever on it was about 14k (which I did manage to pay off at the end of the month; no i'm not a drug dealer)! I recently paid that charge off. Do you think they will approve me for another card? Also, my sister has an Amex. Think she could add me as an authorized user and it would backdate to 2011 or would I have to get my own account in order to backdate? Also, I thought Amex stopped backdating in March or April, am I wrong?
Since you have paid if off you will most likely get back in at some point prob not right away and yes there is no more backdating with Amex that ceased earlier in the year.