I have been working on my credit for many years. I went from the high 500's to a current 794 fico score. I have no derogatory remarks on my credit report (all fell off over 7 years) and i pay all of my credit card balances every month. Only 1 inquiry on my credit report. I have a Capitol One secured card (1,000 CL) that i got 8 years ago and a Wells Frago (3yrs) credit card ($4500.00). It was finally time to look into getting a new credit card. Since i travel a lot I thought The Chase Sapphire Preferred would be the best choice. I did the pre-approval on line and completed the application. I was instantly approved for $12000 CL! I am loving this card so far!
If you are trying to repair your credit please be patient! It took me long time to get the credit score I have now but the hard work paid off. When I was younger I was not taught how missing a payment or not paying a bill could follow you for so long. Don't buy anything you can't afford.