I had an Orchard Bank credit card and I be last I feel once or twice on the payment. They harrassed me so unpromising after the 2nd time I was unpaid, I told them to close the account and I refuse to pay (I know stupid, but I be pregnant and hormonal, LOL). Well I have since salaried off the card (in full) and very soon I'm wondering if I should try to apply for a new card beside them. I really have to work on rebuilding my credit and one entity on my credit report that I do not have are any credit cards which is affecting my report and win negatively. Has anyone had any luck near trying to get another card after its gone to collections? Should I even try? I would abhor to try to apply for them to tell me NO and after I have another inquiry on my report.

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within are many other bank out there which will make available you a credit card with impossible credit. You should try another bank.
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