Thanks, everyone. Yeah, I've been a lot more careful with credit since that happened. My first charge-off was a card I got going into college and it was neglected when things got tough a few years later after some serious family stuff happened. That dropped off my credit report a couple years ago. My Amex charge-off was a Green Card. I didn't really want it at the time, but it was meant to get my foot in the door and it was all I could get. It ended disastrously around the holidays.
Obviously, with a score like mine, I have other cards. I have cards with Capital One, Discover, Apple, and BoA (and Care Credit, but that was for veterinatry purposes that unfortunately no longer apply). I've wanted either the BCE or BCP for years on account of the grocery store and gas station rewards. I make pretty heavy use of Discover for the grocery rewards in the first quarter and I have BoA set for 3% rewards for restaurants for the entire year (which effectively makes it my restaurant card). I've tried to give each card a purpose that maximizes my rewards.
