Could I get approved for an unsecured card with a charged off from 4yrs ago?

[Superduper2014]

Thanks again Jamex. 

I do have a wells fargo card that just graduated to unsecured and they did a CLI without asking them. They went from 300 to 600. From what you are saying about other creditors giving CL similar to what you have, I might just call Wells and see if they will do another CLI and wait until that shows on my credit reports to then apply for Barclays. Even if they refuse for another CLI, I have to wait to see the 600 reflected on my reports. 

Also, I followed your suggestion and went to Cap1's pre approval site (they asked for my full SSN, so I hope they don't do a hard pull just for that) and they did pre approve me for their Quicksilver. I did not go for it though since I am still in "research mode" and need to figure out whether it is best to apply first for Barclays and then Cap1. Reason for this is that I had a Cap 1 card that was Charged off and less than a year ago it was sold to a JDB. So even if I am pre approved I fear it may still be too soon for them to give anything to me. I might just be paranoid, but I can't help it after all I went through. 

Amex pre approval did not have any offers. Chase and Citi didn't  either. I do not blane Citi and Chase, after all I did settle 2 cards with each lender. They were high. 

So, I guess my gameplan would be aimed at Barclays, DFCU and Cap1 last. So far. 

Thanks for the awesome tips and insight to all who have contributed as well!!!

[Chrisla2077]

Don't let my posts fool you. I've spent time rebuilding and had to do so slowly. I obtained small loans and crap credit accounts first....I simply wanted to communicate that it is possible if you spend the time in rebuilding and be patient.

[Anonymous]

I had a Cap One CO of almost 2K six year's ago. I have an open judgements for this from 2011. I was declined from Barclay's, BOA, Disc, and USAA. I've never burned ANY of them. I didn't even think of trying Cap One, especially still owing them 2K. Well everyone here said "Cap One doesn't blacklist", give it a try. Went to Cap One prequal site, and came up with a card. I applied, got QS w/5K CL, no AF. My first unsecured card after stupid Credit One 400 CL. I did have a Wells Fargo 2K secured card, US Bank 1K secured card and the Credit One card reporting for 3 previous months. I'd definitely recommend Cap One. I think they the easiest CC to get.

[Anonymous]

I also just applied for Amex PRG and was approved and also joined and applied for SDFCU credit card requesting 15K CL. Haven't received an approval yet, but they did HP EX and send me "truth in lending" paperwork with 15k CL at 6.9% APR to sign and requested pay stubs and DL. So SDFCU might be worth applying to if your EX is strong.

[Chrisla2077]

I got :

QS1: $500

Cap 1 Platinum: $500

Amazon Store: $700

Walmart: $500

VS (so unnecessary, lol), Buckle - $250

Macy's- $600

My scores were in the low 600s across the board