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With two other cards there isn't a huge rush to apply again. I'd let your BK and new cards age for 6 mohths before trying again.
a bump in 20 minutes? anyway, i dont have a solid advice on this but have you tried talking to recon? how about going for the secured card instead? perhaps other cards need to grow first then try again in 6/12 months? goodluck! hopefully other would chime.
Don't bother. I tried apping with a discharged ch 13 BK, declined, wrote a long, respectful letter to the EO about it and still they wouldn't reverse their decision. I didn't even IIB them, they just said "Nope, sorry". Calling to recon is even more useless. Whatever the computer spits out, they go with.
I concur, let 6 months get chewed, swallowed and digested
before applying for literally anything given your set of particular
circumstances. You'll get there, PIF all the time and on time
and you'll be up around a 600 in about 6 Months.