I understand your frustration, but unfortunately what they didn’t tell you is that debt settlements can be equal or worse than bankruptcy. In your case you made the right choice and normally after five to six years you will be able to get any card and possibly American Express.
What you need to do is stop applying for high end cards. You are hurting your credit and only going to get denied. You need is to apply for Orchard Bank Credit Cards, get something with a low 39 dollar membership but at least it will be unsecure and the possibility of a CLI.
After a year of history with them, you will start getting targeted offers from banks like Merrick, capital One and so on.Check your pre-qualification for Visa (4 cards available)
Welcome to the forum and let us know if you have any additional questions.