After you have filed for bankruptcy guess what happens , the Credit Card companies immediately start sending you offers. You are wondering why they would want your business considering you just went through a Bankruptcy -- Bankruptcy is precisely why they want your business because guess what after your Bankruptcy (Chapter 7) you no longer owe anyone ..you are debt free and that makes you an attractive target for the Credit Card companies

Before you start signing up for the new credit cards you need to really understand that everything the credit card companies do is against you . They are not your friends , they don't understand or care that your child was sick and you missed a weeks worth of work and your late on your bill . They care ONLY about finding ways to charge to your more . Most credit card agreements now make it automatic that if you are late on even one bill your interest rate will rise ..and that means if you are getting 7.8% now on a $3000 balance  and are late even once your rate can go to 21% or even more ..and not on just new purchases but also applies to $3000 they already loaned you !

So our recommendation is to learn to live completely without a credit card for at least 1 year after Bankruptcy .
 

Read the United States Bankruptcy Code