Capital One was also charged off in 1996, therefore, I cannot get their card either. As for 1st Premier vs. Cross Country, are you crazy? 1st Premier might charge hefty fees, but I don't see thousands of complaints about them on the Internet. They apply my payments in a timely manner, have an 800 customer service number and gave me a second chance. Cross Country will be going first. (As soon as I get back to work), it is my husband's card and credit we are talking about here, mine is worse. I just sent Cross Country my first payment today, (I got them BEFORE I discovered the horror stories), certified mail, return receipt requested with a postal money order. These people are not going to screw us up like they have many others. I will fight them til the bitter end. MFVL: I realize that 3 charge-offs are serious. And yes, I had 1st Premier but only for 2 months. What about the paid in full car loan totalling $7336+$3000 interest? And what about the 1 year paid on time new car loan? I guess they don't care about that. I am really trying hard to make sure this never happens to me again, but it's funny to me that I can get an $18,000 car and a $60,000 house but not a $300 credit card. ROFLMAO! Makes little sense.