I guess my profile does not match what Cap One, US Bank or Discover is looking for. Attempting a CLI on all cards, over 1 year and no love. Cap One sitting at $750 (I guess I am in the bad boy bucket). US Bank sitting at $650 and $2,000 limit on Discover, been sitting at these limits since July and denials with every love button click. However, Cap One is willing to give me a decent 6% APR on a $35,00 car. I dont understand that one. I guess they will meet the sock drawer or cancellation. I have better cards to replace them. Losing those limits will not hurt my UTIL very much since I received a CLI on Navy which will offset the loss of those limits. Maybe giving them no use will want them open up. If not then "Oh Well" they were good to me when I started on my rebuild journey.
Credit scores in siggy are accurate. (a little low, missed the cut for paying one of my cards by 1 day and had high util caused the drop below 700)
Overall Util 12% (will be below 9 when my paid off card hits report)
16 / 24 inq on all bureaus. (App Spree some months back)
1 CO 3 years old
2 Lates 19 months
AAoA 3.9 years
AoOA 14 yrs 10 mo
Unfortunately your 2 lates are a big hindrance. 19 months is still considered very recent and makes you look very risky. Add that with all the inquiries on your reports showing credit seeking behavior and they are concerned about stability. That 3 year old charge off is still very new as well. Have you tried to pay that off and get it removed from your report with a pay for delete arrangement?
The 6% APR auto loan is secured by the car, totally different UW criteria to an unsecured credit product.
Capital One and US Bank are both known to be stingy with CLIs even on clean reports and Discover is very much hit or miss but regardless of your later successes, you are likely being held back by the negatives on your report with the first two companies you mentioned. Discover... nobody has cracked that code.