I've gotten BofA Gold, Chase Plat, and of course Cap 1...all with a 3 yr old charge off on my reports. Of course, my history has been PERFECT since that charge off. Do NOT apply for a Citi card. They'll deny you if you have a 90 day late on your report. At least that's what I was told when I called after my denial. You probably shouldn't try for any AMEX card either.
Really??? Hmmm, I'm amazed Chase makes this list. IMHO, they are just as bad as Citi when it comes to CO's. I do agree with you on AMEX though
Yeah, just got it about 2 mos ago. $4k to start. Got 0% BT for 9 mos, but a sucky 15.99 purchase. Called "R" and they reduced it to 9.99%. I did it online and didn't get instant approval, but was approved within 2 days. My TU score was around 680, even with the COs on there.
