I am 21 months post CHAPTER 7 discharge. I recently started paying attention to my credit in June. I have a USAA secured Amex $ 1600 <7% util> and a Cap1 QS $ 800 <0% Util>. 2 car loans $ 12000 balance and $ 17,900 balance. FICO SCORES EQ:610 EX:619 TU:598 …. What are my odds of a high credit limit and approval for NFCU nrewards or a BARCLAY card? 11 year and 5 months is oldest account opened.