Would I be able to get a credit card if I file for bankruptcy? 14 Answers as of January 18, 2013

Will I be able to get a credit card after I file for Chapter 13 bankruptcy?

Ask a Local Attorney. 100% Anonymous. Free Answers.

Free Case Evaluation by a Local Lawyer: Click here
Law Offices of Michael J. Berger
Law Offices of Michael J. Berger | Michael J. Berger
Yes, after you receive your discharge. Meanwhile, you can get and use debit cards.
Answer Applies to: California
Replied: 2/5/2011
Stuart Jon Bierman  Attorney at Law
Stuart Jon Bierman Attorney at Law | Stuart Jon Bierman
Usually yes if you have a steady work history, but there are many variables so you should discuss this with a lawyer before filing for a 13.
Answer Applies to: New Jersey
Replied: 12/16/2010
David R. Fondren, Attorney at Law
David R. Fondren, Attorney at Law | David R. Fondren
No, you will not be able to get a credit card if you file for bankruptcy.
Answer Applies to: Missouri
Replied: 12/15/2010
William C. Gosnell, Attorney at Law
William C. Gosnell, Attorney at Law | William C. Gosnell
Unfortunately, after you get a discharge your mailbox will be full of credit card applications, Why you ask? Answer, You cannot file again for 8 years. They have you by the throat if you run them up.
Answer Applies to: Tennessee
Replied: 12/10/2010
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
You may not incur debt without the permission of the court.
Answer Applies to: California
Replied: 12/10/2010
    Mankus & Marchan, LTD
    Mankus & Marchan, LTD | Tony Mankus
    Yes, although the interest rates will probably be higher until you are able to rehabilitate your credit.
    Answer Applies to: Illinois
    Replied: 12/10/2010
    DiManna Law Office, LLC.
    DiManna Law Office, LLC. | Dawn DiManna
    You probably can, it will depend on the credit card company and it will probably have a very high interest rate.
    Answer Applies to: New Hampshire
    Replied: 12/10/2010
    Law Office of Raymond J. Dague, PLLC
    Law Office of Raymond J. Dague, PLLC | Raymond J. Dague
    Credit comes back pretty quickly after a bankruptcy. Not the next week, but soon you will start getting the credit card applications as solicitations. If you have a job they will extend credit to you fairly quickly, so be careful to use the card prudently, since it you can fall back into deep debt if you are not careful.
    Answer Applies to: New York
    Replied: 12/9/2010
    The Law Office of Brian Nomi
    The Law Office of Brian Nomi | Brian H. Nomi
    Absolutely! There are many credit cards for people who just finished bankruptcy. Go to credit cards.com. You will have to pay an annual fee of $50 to $100, but it's a true, unsecured credit card with reporting to all 3 credit bureaus.
    Answer Applies to: California
    Replied: 12/9/2010
    The Shakoori Law Group
    The Shakoori Law Group | Rachelle Shakoori
    Typically yes but may be with a high interest.
    Answer Applies to: California
    Replied: 12/9/2010
    The Law Office of Mark J. Markus
    The Law Office of Mark J. Markus | Mark Markus
    Most likely yes, although in Chapter 13 you are usually prohibited from incurring new debt without court approval.
    Answer Applies to: California
    Replied: 12/9/2010
    Ursula G. Barrios Law
    Ursula G. Barrios Law | Guillermo Machado
    After a Chapter 7, quite easy to get another credit card.During a Chapter 13, no new debts in excess of $500 without court permission.
    Answer Applies to: California
    Replied: 12/9/2010
    Law Office of L. Paul Zahn
    Law Office of L. Paul Zahn | Paul Zahn
    There is nothing in the law which prevents credit card companies from issuing a credit card post bankruptcy. Private credit card issuing companies will make the decision to individually determine when the right time is to begin offering you the opportunity for a credit card.
    Answer Applies to: California
    Replied: 12/9/2010
    Henry, DeGraaff & McCormick, P.S. | Jacob DeGraaff
    Rebuilding your credit after bankruptcy is much the same process as building your credit from the beginning. Bankruptcy filers often are offered "secured" credit cards as a way to rebuild their credit. A secured credit card requires you to put a sum of money on deposit with the creditor bank equal to the amount of your credit limit. Although this may sound like a debit card, it is not, and it does help you rebuild credit. There is no guarantee anyone will grant you credit after bankruptcy, just as there is no guarantee anyone will grant you credit before bankruptcy.
    Answer Applies to: Washington
    Replied: 1/18/2013
Click to View More Answers:
12 3 Free Legal QuestionsConnect with a local attorney