Thanks everyone. The last time I applied with them was 3 mths ago and I was declined. So this time I sent a message right after I app'd and did a "pre recon". I knew they would pull EQ and even though my score is about 50 pts higher than it was 3 mths ago, it's still pretty low.
I think the VISA is ok for now and I'm not going to push it by applying for anything else with them. I have a question about getting rid of a secured card but I'm going to start a new thread for that.
Thanks again everyone for your well wishes. I'm finally feeling like I'm on the right path again.