It was 25 months ago when my scores FINALLY recovered and I was in the 700s, but I didn't have any revolving TLs, so getting a decent CC was challenging. My local bank in Hawaii, who I have a great relationship with, trusted me with a new unsecured Visa with a 2K CL. Then Macy's, then FIA and so on. Once you demonstrate responsible usage, most CCCs will start giving you what you want: higher CLs, lower APRs, good BT terms and rates and so forth. I agonized for many years so I know how others feel. Sometime no credit can be worse than bad or marginal credit.
