I think that you could get a chase freedom. Their initial credit lines can be as lo s 500, but they also can be five figures. They seem to have reasonable approval criteria with scores like yours seemingly able to qualify. I would not think either the collections or inquiries would be any kind of issue. They may or may not give you the credit line you want though, just because of the other cards limits that you have. Either way though, it is a great card, great rewards, and a bank that you can grow with. Just my opinion. I have a chase freedom signature so i may be biased. Oh and a library collection?? Man they ever come after me for a book i found a couple years back and i would be toast. My daughter had one out from when she was about five. She is almost 23 now.