I'm looking for a second (well third) Visa card. My FICOs are 707 EQ 667 TU 629 EX. TU and EX are reporting a $5,410 charge off from chase that makes it very difficult to get credit. I have 3 60 day lates on some student loan accounts and a couple 30 day lates on a closed cap1 and Toyota account.
The cards I currently have are:
Cap1 Journey Visa 1month old currently reporting $111/$3000 SL
Total Rewards Visa not yet reporting $1k. I plan to stop using this after the free trip to the Bahamas and using the 10,000 bonus rewards on a trip to Atlantic City(I don't gamble)
Fingerhut 1 month reporting $0/$500
Overstock not yet reporting $1000
Wayfair not yet reporting $1500
Brylane Home not yet reporting $750
Student loans $130k
Toyota $10k
One other charge off reporting as paid in full to synchrony bank/ PayPal
What are you best card recommendations for me?
Do I have a shot at AMEX? Citi? Should I try for NFCU?
Thank you and happy fourth of July!!