Wow. That was difficult to read, but I got through it. Congratulations on your successes!
At 22 yrs, all looks good.
The low limits from chase and denials from others is because you NEED to GARDEN
take a break from it all and let all the account natually age and they will grow over time.
You do not really need anything else for now.
and your scores are actually really good with decent thin but growing file.
You have the cards there, use them when needed and pay in full (PIF)
try your best to not pay any interest and let YOUR credit work for you!
Do not make any mistakes or habits of charging your cards for junk or
items not necessary. That way you will not become a slave to the payments and interest.
Good luck with your credit, again it is looking good!!!
We must live near each other (I'm in New Braunfels.) I really love my local SSFCU branch, but have had a few problems with RBFCU. Congratulations on your successful journey! I agree -- it's time to garden.