One more bank card?

[Anonymous]

My current FICO scores are EX 626 TU 646 and EQ 641

the reports are all pretty much the same 10 years of history with an average of 4 years, no more than 5 inq on TU and the other two only have 2 or 3

Baddies:

PRA collection PIF - was for a Synchrony card that was CO, Synch is on my reports as a negative

CO Chase card PIF

3- 30 day lates on mortgage, all are over 2 years old now

I had a CO with Citi that got sold to a CA, the account was PIF and both records deleted, but I'm sure I'm blacklisted.

Current lines of credit:

Mortgage that is being paid as agreed

Cap1 Quicksilver one - $4k limit

Discover It - $1,400 limit (not reporting yet)

Victorias Secret - $1,680 limit

Amazon Store Card - $1k limit (not reporting yet)

0% util

At this point, what should I app for that I could realistically get? I'm thinking 1 more bank card would make a nice mix to grow with.

[Anonymous]

Check the Chase Offers page to see if they have forgiven you yet. Your scores are similar to mine and I was pre-approved for Chase Freedom & Slate. I applied Freedom and was approved. If not try for a 2nd Capital One Card. When your scores improve you can combine cards with them later, you can check for an offer with them as well.

https://m.creditcards.chase.com/prequalified-offers?B7C3=FH24R8

https://findmycard.capitalone.com/en/PageVersions/LandingPages/LP_ONE_V01.aspx

[jbsea]

or a Barkclays Rewards... You have the TU score for it.