What card to go to next?...

[haulingthescoreup]

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@Anonymous wrote:

the student loan baddies are recent (sept) but the loan that the baddies were on has been PIF. Last month both of my cards were late The collections however are old

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I don't mean to be piling on here, but you now must stop applying for anything at all, period, until both lates are over a year old. Better still, over two years old.

Even if anyone approved you now, the CL and APR and fees would be horrible.

You have to look like a desirable credit customer. There's just no point in looking for credit until you do.

[Anonymous]

If you have a hard need for a credit card with a higher limit.  That is you have to purchase something that can only be bought with CC.     I suggest you look at Public Savings Bank secured card.    They have decent terms and don't do a credit check.