Reapplying for a CC After Collections
I am currently applying for cards after almost 3 years of working on my credit I recently was approved for an the AMEX Marriot Bonvoy - a big deal since this is my first card that isn't a secure card.
I'm looking to apply for another card and thinking I might eventually try for cards with accounts of mine that were derog and wiped from my credit files (some RFDers mentioned that I might get accepted so I thought why not).
Do any of you have experience getting cards from banks/companies that you have previously been in default with and never paid?
Edit: I've defaulted with TD, CTFS, and BMO.