Jorgelito beat me to posting the link - every sector of credit has different criteria and guidelines , but they also consider time and job and current income/debt ratio. Having cards settled and paid in full is a LOT better that having it written off, but you will increase your chances much if you can establish a solid good pay history on other accounts for several months before trying to finance a larger installment loan. A side note, a used bike will rape you in higher interest rates, and it will be harder to pass the OAC guidelines for lower rates without a little more established, at least as current.
And if you DO get a bike, promise me one thing, pretty please: Invest money in a GOOD helmet. If we thought you scary in a car, God help us.
