In my opinion you have enough cards to rebuild. Manage those well and PIF always with the interest rates those cards have.
Capital one will graduate after 11 months if it was opened recently.
Instead of trying to get new cards, work on the negative items. Pay down debt. You do not need any more cards.
You didn’t post your scores or anything but I’m guessing with the cards you have and you mentioned debt settlement programs. The only thing you will qualify for is crap cards from predatory lenders or secured.
You have enough of those. No sense in opening more.
Capital one will graduate after 11 months if it was opened recently.
Instead of trying to get new cards, work on the negative items. Pay down debt. You do not need any more cards.
You didn’t post your scores or anything but I’m guessing with the cards you have and you mentioned debt settlement programs. The only thing you will qualify for is crap cards from predatory lenders or secured.
You have enough of those. No sense in opening more.
Thank you very much for your reply! I will do that. Oh, and by the way, my scores are around 510. 
Based on the cards you named it seems to me that you already have the “easiest” cards to get. You wont be able to get better cards or prime level cards until your scores are around 670’ish or better. You also must consider what other factors are in your credit profile.
Starting Score: 550
The cards that you have are not getting you anywhere and will not. With that being said, keep Merrick Visa and Capital One which will benefit you most. if at all possible close those others especially Horizon Gold which is a store card where you use their catalog. I do not even know what a flex shopper is. Take some cash that you save from closing down those insufficient cards, take to a bank or Credit Union - prefer CU and get a secured loan. This should be a start to a better credit picture. Note: Advice given for informational purposes only.
Starting Score: 544
Sounds like you just need to season what you’ve got and put it on simmer.
You didn’t mention how old these accounts you’ve opened are but maybe let the accounts show some good positive payment history for a bit (as long as you aren’t paying AF’s on them) and then close out the ones you don’t feel are necessary after a year? I probably wouldn’t be hunting for more cards at this point or you’re just going to continue to ding your AAoA, get more inquiries and it’ll continue to take more time to rebuild your credit and get the higher scores you desire.
It’s really cliche but the saying that it isn’t a sprint but a marathon is so true when it comes to rebuilding. I was in the 400’s a couple years ago when I first got brave enough to look at my scores post repo and a whole lotta other hoopla and I finally buckled down and decided to be an adult and get my crap together and it’s paying off... slowly but surely. Battle all the negatives that are reporting and continue babying your current accounts and you’ll get where you want to be.
You didn’t mention how old these accounts you’ve opened are but maybe let the accounts show some good positive payment history for a bit (as long as you aren’t paying AF’s on them) and then close out the ones you don’t feel are necessary after a year? I probably wouldn’t be hunting for more cards at this point or you’re just going to continue to ding your AAoA, get more inquiries and it’ll continue to take more time to rebuild your credit and get the higher scores you desire.
It’s really cliche but the saying that it isn’t a sprint but a marathon is so true when it comes to rebuilding. I was in the 400’s a couple years ago when I first got brave enough to look at my scores post repo and a whole lotta other hoopla and I finally buckled down and decided to be an adult and get my crap together and it’s paying off... slowly but surely. Battle all the negatives that are reporting and continue babying your current accounts and you’ll get where you want to be.
Thank you for your reply!
The average age of my accounts is 7 years and 8 months, and the secured cards I mentioned in my previous post were opened in late March.
My plan is to continue paying my monthly payment to my debt settlement company and to use the secured cards sparingly. To put simply, I am going to let me accounts grow and not apply for more credit.