You will usually start getting credit card offers 6 months or so after the discharge date. Unless you are sure you can limit your spending using the card to an amount you can pay off at the end of the month or the card payment date, don't do it. They carry a high interest rate and an annual fee, and penalties for late payments, so you quickly get past your limit, which carries it's own fee.
If you have gotten your finances under control, go for the cheapest interest-rate card you can find, and one with a low($300 to $500) limit. Don't go near the limit with your monthly spending. Get a secured card where you deposit money that is collateral for your card charges. Best bets are your local bank or credit union. Make sure you understand everything about the card before you sign anything.
If you need a card to live on, you are going to have the same problems with your credit, except you will not be able to get another discharge.
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
After bankruptcy one has to rebuild their credit rating. If or how fast one will get a new credit card depends on the issuing company. Alternatively one can apply for a pre-paid credit card.
You can declare bankruptcy due to credit card debts, yes.
That depends on HOW they notated the account. If they marked it as 'included in bankruptcy', even if you did not list them on your creditor matrix, you probably will not succeed in disputing it, but you can try.
Sometimes credit card charges are not included in bankruptcy. If they are then you will no longer be able to use them.
The bankruptcy will appear on their credit if you include this card in your bankruptcy. If you leave the card off the bankruptcy, it will not effect their credit.
"Whether a debtor keeps credit cards after filing bankruptcy is up to the credit card company. If you are discharging a credit card they will cancel the card unless you reaffirm the debt. Even if you have a zero balance the credit card company might cancel the card."
When in bankruptcy it is not possible to have a credit card. Once the terms of the bankruptcy have been met, some credit card companies will consider issuing a credit card to some people.
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
It is possible to recover from a bankruptcy. You should start by getting a secured credit card to rebuild credit. After about seven years you should be able to find a standard credit card that will allow you to get a card.
Yes
After bankruptcy one has to rebuild their credit rating. If or how fast one will get a new credit card depends on the issuing company. Alternatively one can apply for a pre-paid credit card.
You can declare bankruptcy due to credit card debts, yes.
You have to, it is a debt...it is just a secured debt...by the lien on the property.
That depends on HOW they notated the account. If they marked it as 'included in bankruptcy', even if you did not list them on your creditor matrix, you probably will not succeed in disputing it, but you can try.
If you are on the brink of bankruptcy... you probably can't get a credit card. Opps... didn't read that right. Sorry. I really don't know.
A Chapter 7 BK can eliminate credit card debt.