I have had old charge offs with Citibank (paid) and Discover (not paid but sold). None of those accounts appear on any of my files so I don't think they would know. Do they check their own files to see if I have had an account with them in the past? I have had no history with AMEX but I know they are the toughest to get. Does anyone know what their requirements for a student card blue are? I have 3 credit cards already. My oldest is 18 months and newest is 6 months. All the balances are low (17% of CL). Should I wait until my oldest is 2 years old? Any thoughts out there?