Can I stil apply for a credit card even after filing bankruptcy? 31 Answers as of June 07, 2012

Can I stil apply for a credit card even after filing bankruptcy? Will I be allowed to obtain a credit card after bankruptcy?

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Debt Relief Law Center | Roger J. Bus
Yes, but most likely it will be a very high interest rate card.
Answer Applies to: Michigan
Replied: 6/7/2012
Law Office of Pho Ethan Tran PLLC
Law Office of Pho Ethan Tran PLLC | Pho Ethan Tran
You can apply for credit at any time, but the bank will decide whether they want to issue credit to you or not.
Answer Applies to: Texas
Replied: 6/6/2012
Olson Law Firm | Edward M Olson
Yes. You can apply. You will probably be resticted to merchant cards with low credit limits at first. After you improve your credit score, over time, you will be able to obtain ordinary credit cards at higher limits. No lender is required to give you a credit card. You have to show them that you intend to pay back the money you borrowed, before they will lend to you again.
Answer Applies to: Michigan
Replied: 6/5/2012
Barbara Fontaine, Esquire | Barbara Fontaine
I assume you mean after the bankruptcy discharge. It is up to the creditor. Usually it would take some time before the banks would give you an unsecured credit card, but it is not like years and years.
Answer Applies to: Rhode Island
Replied: 6/5/2012
Bereliani Law Firm | Sanaz Sarah Bereliani
Yes, you will be receiving credit card applications from different companies. some of these applications will be for a high interest rate or from banks you do not recognize. As long as you take one or two cards, make all your payments on time, you will start rebuilding your credit and your options will open up even more.
Answer Applies to: California
Replied: 6/2/2012
    Marc S. Stern
    Marc S. Stern | Marc S. Stern
    You can apply whenever you want. Whether the credit card company will grant you credit, however, is a vastly different problem.
    Answer Applies to: Washington
    Replied: 6/1/2012
    Alvin Lundgren | Alvin Lundgren
    Yes you can apply for credit cards after bankruptcy.
    Answer Applies to: Utah
    Replied: 5/30/2012
    J.M. Cook, P.A. | J.M. Cook
    Yes you can.
    Answer Applies to: North Carolina
    Replied: 5/30/2012
    Attorney At Law | Harry D. Roth
    There is nothing in the bankruptcy law that prevents you from applying for credit once the bankruptcy is over. However, many credit grantors will not consider you seriously with a bankruptcy in your very recent past. Some will and some will not.
    Answer Applies to: California
    Replied: 5/29/2012
    Law Office of Kristen Allard Shier
    Law Office of Kristen Allard Shier | Kristen Allard Shier
    You can apply for credit after filing bankruptcy. In fact, once you file bankruptcy, you will receive a surprising number of unsolicited credit card applications in the mail. Whether you will be "allowed" to obtain a credit card is up to the individual credit card companies. But I would advise you to proceed with caution if you are considering getting a credit card after bankruptcy. The interest rates will be very high, and sometimes a credit card, despite your best intentions, is the beginning of a slippery slope back into debt.
    Answer Applies to: Colorado
    Replied: 5/29/2012
    Compass Legal Group | Kelly Stairs
    It is extremely common for individuals to receive offers for credit cards immediately after a bankruptcy, as well as approvals for secured loans such as vehicle loans.
    Answer Applies to: California
    Replied: 5/29/2012
    Law Office of Jeffrey Solomon
    Law Office of Jeffrey Solomon | Jeffrey Solomon
    You can apply, it is up to the company to accept. You may well be able to obtain a credit card, and possibly a secured credit card, but yoy do need to be careful.
    Answer Applies to: Florida
    Replied: 5/29/2012
    The Law Office of Darren Aronow, PC
    The Law Office of Darren Aronow, PC | Darren Aronow
    Generally, you will get credit cards after your discharge from some (not all companies) because they understand that you can not file another chapter 7 for 8 more years. Watch the interest rates though, they are generally much higher.
    Answer Applies to: New York
    Replied: 5/29/2012
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    You can. Be careful. The cards are high interest and come with a lot of fees.
    Answer Applies to: California
    Replied: 5/29/2012
    Dan Wilson Bankruptcy
    Dan Wilson Bankruptcy | Dan Wilson
    Yes. But think about your question. You are in trouble now because you bought things you could not pay for. Try living on a cash basis.
    Answer Applies to: Colorado
    Replied: 5/29/2012
    Law Office of Robert Sisson | Robert Sisson
    Yes you can. You may even be surprised to find that you will get many credit card applications after your bankruptcy is finally done with. Creditors look for it business as they know you can not file bankruptcy again for 8 yrs.
    Answer Applies to: Wisconsin
    Replied: 5/29/2012
    Robert Peters, P.A.
    Robert Peters, P.A. | Robert L. Peters
    Absolutely you can rebuild your credit after bankruptcy. You may not get the best rates at first, but you have to walk before you run! There are plenty of ways to work on rebuilding your credit and obtaining credit again.
    Answer Applies to: Florida
    Replied: 5/29/2012
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    In a Chapter 13, no. In a chapter 7, maybe.
    Answer Applies to: Georgia
    Replied: 5/29/2012
    Burton Green, Attorney | Burton Green
    You certainly can apply for a credit card after your bankruptcy case is complete. You might even be in a better situation after than before bankruptcy because your debt obligations have been reduced. This makes you a better risk than with the pre-bankruptcy heavier debt load. There are many ways to build your credit after bankruptcy. You can obtain a secured credit card to start with. You can buy something small on credit and start making payments. In building your post-bankruptcy credit history it is essential that you make all payments on time and in full each payment period. If you do not your credit score will not improve.
    Answer Applies to: Florida
    Replied: 5/29/2012
    R. Jason de Groot, P.A
    R. Jason de Groot, P.A | R. Jason de Groot
    Yes, it depends on who you apply to for credit. Some banks will, some won't give you credit.
    Answer Applies to: Florida
    Replied: 5/29/2012
    Goldsmith & Guymon
    Goldsmith & Guymon | Marjorie Guymon
    Most people see a jump up in their credit score following a bankruptcy discharge, which will take about 90-120 days. So until then, you'll have to make do with cash or a debit card.
    Answer Applies to: Nevada
    Replied: 5/29/2012
    Law Office of Stephen P. Dempsey
    Law Office of Stephen P. Dempsey | Stephen P. Dempsey
    Sure- its up to the lender to decide to issue credit.
    Answer Applies to: New Jersey
    Replied: 5/29/2012
    Law Office of Susan G. Taylor
    Law Office of Susan G. Taylor | Susan G. Taylor
    You will likely be solicited for credit cards after discharge.
    Answer Applies to: Texas
    Replied: 5/29/2012
    Carballo Law Offices
    Carballo Law Offices | Tony E. Carballo
    You are pretty much free to do anything you want after filing for bankrutpcy but should wait until you get your discharge.
    Answer Applies to: California
    Replied: 5/29/2012
    Diefer Law Group, P.C.
    Diefer Law Group, P.C. | Abel Fernandez
    You will not get a credit card while your case is still open. However, after your case is over it will be possible for you to obtain credit. At first the credit line will be low, and the interest will be high but you can get credit.
    Answer Applies to: California
    Replied: 5/29/2012
    Florio Law Firm, PLLC
    Florio Law Firm, PLLC | Amber Morgan Florio, Attorney at Law
    Yes, you may still apply for a credit card AFTER bankruptcy. However, you will need to wait until your bankruptcy is discharged before applying for a credit card and incurring new debt.
    Answer Applies to: Texas
    Replied: 5/25/2012
    Law Office of D.L. Drain, P.A.
    Law Office of D.L. Drain, P.A. | Diane L. Drain
    Yes, but you may only be able to get a secured card. Talk to your bank to see what they may offer.
    Answer Applies to: Arizona
    Replied: 5/25/2012
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    Unlikely for a length of time after the bankruptcy is closed. Bankruptcy tells creditors you cannot or will not pay your debts, and will not give you more credit.
    Answer Applies to: California
    Replied: 5/25/2012
    CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE).
    CONSUMER PROTECTION ASSISTANCE COALITION, INC. (DE). | Gary Lee Lane
    Yes but tried a secured one 1st
    Answer Applies to: California
    Replied: 5/25/2012
    The Smalley Law Firm, LLC | Cary Smalley
    Yes, however there is no guarantee you will be approved or you may face a higher interest rate, lower credit limit and/or a security deposit.
    Answer Applies to: Kansas
    Replied: 5/25/2012
    Lynn Boak, Attorney at Law P.C.
    Lynn Boak, Attorney at Law P.C. | Ethelyn (Lynn) Boak
    There is no legal reason you can't apply for credit; the lender just may not extend credit to you after bankruptcy.
    Answer Applies to: Wyoming
    Replied: 5/25/2012
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