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Can I Get a Credit Card After Bankruptcy?

Can I Get a Credit Card After Filing for Bankruptcy?

If you have recently filed for bankruptcy, you can in fact get a credit card once the bankruptcy is completed. There are also other options you may want to explore that won't require opening a line of credit, but will still give you access to bank accounts.

What are your options?

For example, you can request a bank card or a debit card. These cards work similar to credit cards in everyday transactions and will allow you to purchase items without having to put them on credit. Also, these cards are easier to manage because you don't have to pay them off at the end of the month like you do with a credit card. Debit cards take money directly from your account.

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You may be able to keep your existing credit card!

If your creditor grants approval, there is a possibility that you can keep the credit card that you already have. This is a situational issue, meaning that you won't always be offered this option. The creditor will need to trust that you are responsible and will be able to pay on the card at the appropriate time. If you don't see any use in the options above, you can also get a secured credit card that is backed by your own account. This will ensure that you have the capability to pay off the card.

Retain a Qualified Bankruptcy Lawyer Today

It is important to pursue reestablishing lines of credit after bankruptcy, as this can affect the status of your credit in the long run. If you want more information about credit cards and bankruptcy, don't hesitate to contact a Detroit bankruptcy attorney at the firm today. Our team is committed to helping you handle all different aspects of your bankruptcy with professional expertise.

Do you have more bankruptcy questions?
You might be able to find the answers on our Bankruptcy FAQ page!

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