it's been a little over 2 and a half years since i apped for a card. kind of have an urge or.. maybe just seeing if i could test the waters . rebuilding last few years. all scores right at 700. only inquiry is for cell phone over a year ago. gas card and home depot were my rebuilding cards which have low limits. then credit union card got 2700 dollar limit. freedom for 7000 and discover it at 20900. aaoa-3y2m. credit history 13.5 years. utility never over 4% or so. the hesitation factor is my first card was a capital one paid charge off. basicly was oblivious to how late payments affected things at the time. i have no late payments since and this is due to fall off in exactly a year. just wondering if i pulled the trigger would i have a decent chance at most cards being 6 years later. blispay on my radar, maybe csp(on my pre qualify and they send mailers). thanks for the time. also what kind of jump could i be looking at in a year when the major derogatories fall off.
You probably have great chance at getting most cards you apply. Good scores, low inqs, . Just make sure its for a card you can use and benifits you , not just to app because you can. Great Disco cl ! Good luck if you decide to pull triggers
