MemberSince99 wrote:If you think this is terrible just ask yourself this - would I lend to a person like me. Answer it honestly. Not trying to judge, just to show you how they view it. But I sure have no right to judge I've charged off cards unfortunately. My own answer is - I would not lend to who I was years ago, but I would today in a heartbeat.
To expand on this. OP, please try to explain to us what YOU have done to change. You got taken to the ER and treated. Ok, so you pay. What have YOU done to ensure that the next time that happens YOU will pay for it? You screwed your landlord out of money because you didn't like your room mate. How can we be 100% sure you will never do that again? You ripped off BofA because you lost your job and didn't like the fees that you agreed to pay. If I lend you money, how do I know you won't do that to me?
Honestly, I am not trying to be a hardass. I am telling you what you are going to have to convince any bank of. You say you need a credit card. Why not a debit card? After a few years with a solid bank balance an no overdrafts on your debit card you bank will probably give you a basic credit card. Right now you might be able to get a secured card but you are going to pay big fees, which you won't like, and will tick you off so you stop paying. Rinse repeat.
Your behavior has proven to lenders that you are a deadbeat who can't be trusted. Now you need to prove that you have changed. It takes years to do that and one tiny little misstep will start you all over again. If you are really serious about this then I am suggesting you think about what you have done to change and use us here as a sounding board. If you can't convince us you will never convince a banker!