I've cleaned up my credit report as much as I could. All bad debt were due to divorce back in 1996. All 9 charge-off accounts are paid in full, 2 collection accounts paid in full, and I've manage to obtain a car loan in October. I gross around 40k a yr and my debt to income ratio is less than 10%. However, I don't know my credit score. Do you think I'll be approved for this mc? Is this card secured or unsecured.