credit cards after bankruptcy

Bad credit or bankruptcy can happen to good people. Don't despair. There are ways you can get your credit back in shape. But you have to start working on it today -- and keep working hard to show potential creditors that you're serious about getting your credit back in order. As you do so, your credit score will improve, resulting in better credit offers and a substantial savings in money.
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Open new accounts and pay them off. Being able to repay a variety of new accounts is a key step in rebuilding your credit. That means that devising a strategy to open and pay off as many different kinds of accounts as you can is better than adding more debt to an existing credit card.
Other bad credit options are unsecured credit cards. You will probably be offered a low credit limit and a high interest rate for credit cards after bankruptcy, but don’t let that discourage you. Use your unsecured card on small items monthly, and do not pay off your bill each month. You will avoid accruing unnecessary interest by keeping the balance owed very minimal, yet still show good payment history. You will see over time that your limit will increase. Once you have re-established your credit, you can request that your credit card companies lower their interest rate. If they refuse, your good payment history will help you in your quest to replace that card with one from other credit card companies that will offer more favorable terms. Showing good payment history on an unsecured credit card can significantly increase your credit score.