I had a Discover charge off from back in 2008. In late 2021 I tried to get a Discover secured but they denied me. But in the summer of 2022 I went to the prequal site for Discover and they listed the secured as a card I was prequalified for. I was approved. Now today I see on my account that they have raised my balance by $1,000. I'm hoping that means it graduated to a unsecured card. I haven't heard from them yet. Looks like they held a grudge for 14 years.
Since you paid your charge off (I didn't) maybe they'll forgive sooner. Go check the prequal and see if anything comes up. It's a really solid secured card which includes the cash back match for the first year. That makes gas and restaurants 4% back by the end of year one. And everything else 2%.
