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can you get a cc with open co?

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This may seem like a dumb question. I have 3open charge offs that I am currently in the process of trying to settle. Is it possible to get the HH card with those? I have a mortgage 5 months never late ( its 5 months old) and a 17 month old car loan that has never been late. My CO are fairly small - all under 1000. I have gotten my fico scores up quite a bit and am also trying to strategize when and where to get a HELOC. I don't want any more inquiries and not quite sure when to apply for a CC. Any suggestions? If I pay my CO then that may drop my score and I won't be able to get the H/E. If I get a H/E I wont be able to negotiate and will have to pay all those bogus fees with my equity!!!! What to do ????????? Thanks for any info!

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