How long should someone wait to apply for a secured credit card after having been deliquent on a loan payment?

How long should I wait to apply for a credit card after paying off debt?

about six months

Waiting about six months between applications is a good rule of thumb and can increase your chances of approval.

How long does it take to remove delinquency?

seven years

A late payment, also known as a delinquency, will typically fall off your credit reports seven years from the original delinquency date. For example: If you had a 30-day late payment reported in June 2017 and bring the account current in July 2017, the late payment would drop off your reports in June 2024.