Sup /biz/

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Quick questions I'm having trouble finding the answers too and I could use some insight.

1.My bank is wellsfargo, been there since 2007. I have a credit card that was charged off during an incident where I basically was in a hospital for 4 months....then 2 years recovery...charge off was 500$ I have the option of over drafting if necessary and i've used it quite a few times in the past and just let my paychecks refill the account. According to the bankers.....My credit with them is outstanding.....Well my question is, if I apply for a new line of credit with them, will they outright deny it cuz of the charge off?

2.I am rebuilding my credit thanks to Lexington law and secured CC's. From what I know? Auto loans, and Credit cards are the only things that report positives to the three major boroughs....are there anymore I am missing?

3.When my life is finished being repaired, should I start putting money away in stocks, investments into my bank or Annuities? I am hoping to generate enough income to be able to cut myself a check every year when im 60+ to help pay for living, bills etc....Social security aint shit.

3.What is the absolute BEST bank to go with? not so easy question to answer but say....your bank vs Wellsfargo?

Thank ya!