In short, my situation: On T/U report, 3 charge offs, unpaid, all 6+ years old, one for $3200.00 (ouch!), one for $800, one for $350. No inquiries. No positive trade lines. Just got a Providian Secured (the $49.00 deal) Gold $450 limit 2 months ago, doesn't show up on T/U yet, but if it does, almost 0 balance (as in paid in full each month). $43K year salary. 4 yrs at current residence and job. Do I submit for the card, or tuck my tail between my legs and wait til next year? Any info appreciated. If I've got a shot, I'll submit. I really need to start building some positve trade lines. Thanks!