What do you recommend I apply for....HSBC, Orchard or Household? I know they are basically all in the same. I also had a previous charge off with household, that wa PIF.
Starting Score: 454 Current Score: 690 Goal Score: 750
orchard is prob the easiest. I would do the pre approval for all and select the one with the lowest AF (usually orchard classic at least for me) or orchard secured(no fee 1st year, ach deposit card comes fast)
i would suggest checking the other sites also, thruough hsbc they offered a few months ago to me $19 app fee +$8 month and orchard classic one came up with $59 af(which they removed half for me on activation)