Wanting to get 3rd Credit Card Need Help?

[directimports3]

I am wanting to get another credit card but not sure if this is the right time to apply. I currently have two Capital One cards which just yesterday I asked for a limit increase and they gave me a 500 increase on each card bringing me to the following. I had a 60 percent utilization on my cards for the past 24 months and just paid them all down and got an increase but thats only been like that for a month. Both of these cards are 7 years old. With  two missed payments throughout the last 7 years.

Card 1 - 2200 CL  6.5 Utilization

Card 2 - 1000 CL  6.5 Utilization

Here is part of my credit profile and history 

Truck loan taken out 6 months ago for $17,000 all payments made on time

School loan for 10,000 I defaulted on several times until I had it bought out by another company 2 years ago and now i have made every payment on time. This loan is now down to $7900.00

3 Small collections when i was young and dumb that i satisfied in full in the last couple of years

The bad mark on my credit is a Judgement that was taken out on me for $1500.00. I am in the process of trying to satisfy this judgement and vacate it. But it is still on my report as unsatisfied. 

My quesiton is what card should I try to get outside of the capital one family and when should I apply for it. I would like to get a higher approval limit than $500.00 I know I can basically get that anywhere. What would you do in my situation. Would you apply for a card now or wait until the credit bureaus start reporting my low utilization? I was at 60% for 24 months and now im at 6.5% . Thanks for all your help.

TU - 653
EXUIFAX - 648

EXPERIAN - 643

[MrsCHX]

Drops in utilization can make a huge difference!

I went from 645 to 680 with a drop from 68% to 38%. My true util is about 4% but I'm waiting for updates. 

You could try Marvel. Synchrony checks TU and I got $1,500 at a 645. You could try Barclay's too. They also check TU. I got the NFL Extra Points but they have a lot of products!

[directimports3]

I am hoping I see an increase in my score. When do you think I should apply for another credit card? Any advice anyone?

[Anonymous]

I got approved for a Lendup L card and my credit score is pretty terrible (Also have the 500 dollar Capital One).  You mght want to try that or a Kohls card.