Am I Eligible For Any Credit Cards After I Declare Bankruptcy?

A question we receive often from bankruptcy clients is am I able to get a credit card after bankruptcy.  The short answer is yes.  After your bankruptcy is discharged and finalized there are no restrictions on you opening up new lines of credit.  You can get a personal loan, buy a car, or open a credit card.  

You actually, after filing your bankruptcy, will receive numerous solicitations in the mail from credit card companies and local car dealerships.  We often recommend to clients to open up new lines of credit as a way to continue to improve and increase your credit after bankruptcy.  

It is a myth that you are not able to have credit cards after bankruptcy.  It is very much the opposite.  After the bankruptcy you should have more disposable income than you had prior to the bankruptcy as all of your unsecured debt would have been discharged or forgiven.  

Oftentimes our clients open up credit cards and purchase a vehicle within months of their bankruptcy being discharged.  The amount of your credit line or amount that you are able to borrow will depend on a few factors, but you will have access to credit after your bankruptcy.  

By using credit responsibly after a bankruptcy, you will be able to increase your credit score quickly.  We provide all of our clients with our recommendations on steps to take after bankruptcy because we realize that rebuilding after bankruptcy is just as important as eliminating the debt.  That is why our team of attorneys, accountants, and support staff are here to help you for years to come.  We look forward to providing you with a free personalized debt consult. 


If you have any questions about the topic discussed in this article, or any bankruptcy law matter, please give us a call at Bononi & Company 724-832-2499.


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