It's been my experience that there are two kinds of forgiveness when it comes to a late payment.

One, accepting a customer's payment, explanation, and crediting a late fee.

Two, pulling back a 30-day late from a credit report.

First one, easy. Second one, rare.

The payment was late and it's reported. The service rep usually has no power to pull the late payment from the credit bureau. He/she makes the best of the call by agreeing to something. I suppose there may be a tool in the company computer program that allows a request. But, I doubt it's acted upon.

Make sure all your income to ratio percentages are as low as you can get them and give yourself some room/time to pick up a few points on the credit score before you apply. I just completed an app with Chase where TU was the credit bureau used. Barclay will use them too, I think. How does your score track with DS the months since April?

Besides the CSP in March, do you have any more seniority with other cards in your credit file? How old is the GE account, DS account?

Your call but I think I would try the US MC. Best wishes.