I had a card get really late, but never charge-off with Navy. They would not let me get a new credit card with them until I had completely paid off the closed account, even though it had been current for a while. My application was an instant denial. I was able to open a new card after paying off the old one though, so that was nice.
Honestly feel like more banks should be like that, American Express is also known for it's long memory of your deliquencies.
