Hi and welcome to the forums
I think at this point, you've exhausted non secured credit card options. There are a few that might approve, but between their annual fees, monthly fees, etc...you could actually pay off one of your larger collections or charge offs.
If you opt for secured account, again, the deposit could be used to wipe some of your debt.
This is not the right time for attempting to acquire the new cards and new debt. You need to take care of existing negatives before you move on. Even if add a new account, you still have negatives that are updating and wont see much progress if any until those are deleted/settled/paid.
You cannot have a successful rebuild without cleaning up the previous mess. I would strongly suggest you get past the "I really cant afford to", because it will hold you down for a really long time.
As far as medical collections go, here is the suggestion by gdale on how to handle those
For unpaid medical debt that is reporting on your CR:
1. Call the OC and see if insurance can be billed, if not then
2. see if you qualify for Charity Care, if not then
3. ask that they recall the collection in exchange for full payment
4. Send the reporting CA a PFD offer
5. Google the HIPAA Process and contact its creator for help
So I'm trying to get another card. Right now I'm stuck with a 300 limit on a credit one card and another 300 on indigo. My only saving grace is a 1000 limit on my petal card. My score is 687 TU. History is an avg of about 10 months, including student loans as old as almost 2 yrs and some recent. My oldest credit card is about 10 months, newest is 6 months. Payment history has been in full every month always, and on time. Utilization usually is about 25%. I have about 7 things in collections though. most are medical, about 4 $75 charges 1 for about $300. But I also have in collections 1 $250 account from a capital one card 5 yrs ago I defualted on paying. I'd pay this stuff off but really can't afford to as I recently took a pay cut, had my rent explode higher and am still crawling through school. Question is, capital ones website says I'm pre-qualified for the Quicksilver card, but I wonder if my previous collections account will knock me down when I apply. I have 2 hard pulls on TU, one on Equifax. I do not want to risk a hard pull and a rejection. So I'm basically looking for the best sure thing card I can get. Preferably a move up to a "real card" and away from indigo or credit one. Ideally, some form of rewards with little or no annual fee or other added in fees. Any help or suggestions is appreciated.
With your current profile you won’t get any kind of good card, other than one with toy limits, until you clear up your baddies. You also need to let your current accounts age a bit. Work on clearing up your negatives and you’ll qualify for much better cards.