1. Providian Gold, $500 limit, opened 11/00 2. Aria Persona, $250 limit, applied last week and waiting for my card 3. Capital One secured, $200 for $99, thinking about accepting the offer With these three on my CR along w/ the charge off, would it make much of a difference? Maybe after I've had all 3 card for at least 6 months - 1 year? I'm just trying to improve my credit. I know the 3 cards I have aren't much or the best, but hey, I need to start somewhere. Any advice/input/suggestions would be greatly appreciated.