I would EO both. Try to get the secured one unsecured and the Platinum to QS! It never hurts to try! And at the same time ask for an increase to the limit on the Plat. You might try a Comenity visa if you think you scores are too low for a normal bank. Some Comenity cards are cobranded with Visa and a dept. store, so you could pick one that you shop at. It wouldn't hurt to try one more, like Discover. Even if denied initially, you could recon and try to get approved. Discover seems pretty good on recons. You could try for the Student version and then recon that if denied. Citi, Chase, PNC, WF, and US Bank tend to be more conservative. BofA however seems to be less so.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
