Originally Posted by
StartinSanDiego
I'd say 4-6 months, with 6 being better.
In the mean time, show a good payment track record, pay your charges off in full every month, and be mindful of further behavior that could be seen by a bank as risky. Now you need to establish that your past behavior, from the lender's point of view, was not an indication of a desperate grab for money.
With Chase, time doesn't matter. They closed my accounts a year ago, and all my new applications with Chase (CCs, checking) were (first) approved and then closed a few days later. When you call, they will cite a "unsatisfactory relationship with the Bank". So you can relax for (at least) 10-15 years (however, during my last conversation with Chase Executive office, they told me that they will never forget it and nicely suggested not to bother applying for cards anymore).