It's been quite a long time since I posted. I wanted to know (if you don't mind sharing, of course) anyone had ever been approved for a prime cc after a charge off with that same company whether it was paid or unpaid? In 2009 I paid off a Citi Plat Select card that had been in their in house collections for a about 5 years..it showed and dropped off of my cr as a chargeoff, but it was never sent to a outside collection agency (thank goodness). I paid the debt in full, and I would like to one day have the Citi thank you card or the simplicity card, but I am scared to even think about app'ing because of the history. I have had a perfect payment history for the last 5 years on the cc's that I have now. Right now I have a high util (90%) so I'm going to pay everything down my cc's before I even think about app'ing, and I want to get rid of 4 cards (2 orchards, credit one, and emblem) which right now are my 4 oldest cards. Scores right now are low 600's but hoping when my cards are paid off I will have mid to upper 600 scores. Thanks in advance for sharing your experiences with me!
I got approved and received 2 CC's from Capital One. Currently there is an open judgement on my record from Capital One for a credit card I had with them 6 years ago or so. Not exactly the same case, but I think it is more extreme. At the same time, I would expect prime CC issuers to be more strict.
I apped for an Amex revolving account in Nov. 2011, this past March and May. All 3 applications were approved and all three pulled EX...which has an Amex (settled for less than full balance) chargeoff still on it from about 7 years ago.