If it weren't for the charge-off I would say you're a lock to get the card. I think you might have to be prepared to recon the app if you go ahead and apply for it. Worse case scenario you'll know for sure that CO is holding you back, you only wasted a HP or two, and can try again down the line.
@Kw76 Have you tried prequal by any chance? Is there a branch near you? You could go in and see if you have any in branch preapprovals.
Nothing on prequal, I even thought about opening up a banking relationship with them.
you have a mortgage, you dont need anything else. app away, the worst is a hp but if it fails but I think you stand a great chance. I would recon something like this all day long