where can i get a credit card with bad credit or after bankruptcy?
100865
Your best bet would be NOT to get a credit card and to pay cash for your purchases.
112550
There are many loan companies that have the idea that since you just came out of bankruptcy you are a safe bet because you have no debt and can not file bandruptcy again for a long time.  Call around your area, or there is a good chance the furniture company has several lenders willing to help.  Ask them.  Good Luck.
342067
Go to the court where your bankruptcy was filed.  They WILL allow you to see the file.  The only cost involved is that for the copy machine.
132971
Check the smaller banks. I have terrible credit and still have a checking account, visa check card, and overdraft protection.\n\nI found out really quick when I opened my account that the smaller "Mom-and-Pop" banks don't check your credit. The big ones will almost alway deny you or offer you some sort of crappy account that isn't worth it.\n\nI use a bank called City National. If they have them in your area, you might check them out.
1039914
You're looking for the FASTEST way?  Sounds like you want to rebuild or maintain your credit rating which filing bankruptcy would greatly damage.\n\nThis will take a combination of methods!\n1) Credit Counseling.\n2) Really frugal living.\n3) aggressive payments.\n\n1) I recommend calling one of the non-profit credit counseling outfits...you choose one.  They will do what it takes to get your payments to a minimum.  These no longer damage your credit appreciably (they used to).  I guess the credit scoring agencies (transunion, equifax and experian) appreciate the fact that you're not declaring bankruptcy!\n\n2) The really frugal living means not only tearing up your credit cards, not incurring or increasing new debt, etc. but ALSO cutting out what you do have that you don't need to survive *right now*.  Drop non-essential services like cable, broadband, cellphone, daily paper, etc. if you don't need them for work.  The reason for this is that it will allow you to do step number 3 better...\n\n3) Make _REALLY_ aggressive payments... big enough to hurt a little.  When you do this after the credit counseling folks get your payments down you can really do some serious disaster recovery to your finances.  If you have something to sell (that isn't  lien property or mortgaged) you might want to consider some quick cash to get the debt reduced fast.\n\nIf you have a financed car, you might want to sell it (even for less than you owe) in order to buy and own a used vehicle (you still have to get to work!!) that would do just as well  (you'll save on insurance too).\n\nTo help preserve your credit, contact all the agencies that you owe and tell them of your problem and let them know that you have overextended yourself and you're going to continue payments on the lowest of your bills and can they see about them getting their payments lower before you inevitably file for bankruptcy?\n\nGet a part-time job (if it makes sense)  This creates extra money to pay bills and leaves less time to spend it.  It doesn't make sense if you have to hire a sitter that costs almost as much as you can make part-time or if you have to drive so far that you spend your paycheck on gas just to show up.\n\nOnce you get into the swing of doing this, your debt will disappear...once it's gone...keep doing it for a little while and build up your savings.  Hang on to your savings (which will become your investments) and then start reading books by Suze Orman.  She's a really no-nonsense person with solid ideas (albeit overly opinionated) on how to get and keep your finances together.\n\nBest of luck.  You're embarking on a most worthy endeavor!
1114349
Bankruptcy can, and will, hurt your credit for 7-10 years (generally 10).  That being said, for some people, it does nothing at all, due to their FICO score being in the low 400's.  If you didn't get rid of any secured debt (car or home), the effect won't be felt "as" much.  You will be able to get a couple of higher interest credit cards rather quickly, which may be a good idea.  Get those check marks on your credit report.  Banks will not look at you for loans or credit cards, generally, for at least 2 years after discharge.\n\nIf you need a credit card to  help rebuild your credit, try www.householdbank.com, and www.orchardbank.com.  Also, try store charge cards, like walmart, or circuit city.  Don't go crazy with them, but use them with some wisdom, and MAKE your payments each month ON TIME.  After about 6 months, you WILL see a rise in your credit score.
851181
banks are not the place to go to if you have bad credit; you'll need to talk to a broker or retailer in the area of financing you desire.\n\nWhat do you want?  A house, a car, a loan, a student loan?  Etc....\n\nThere are varing degrees of bad credit.  The easiest to do is talk to a mortgage broker, as their credit terms will be most generous (to buy a house).  Do this even if you don't want a house, as you'll get an honest assesment of your credit this way.\n\nIf they can't help you, you need to talk to a credit counseler to rebuild.  You'll need to wait a couple years for results.
779546
The fastest way to re-establish your history is by paying your current obligations -- it may take 2-3 years of this behavior to improve your credit score.  And, you will need to take care of any judgements, etc.\n\nConsumer Credit Counseling/Debt Reduction/Settlement Offers will NOT improve your credit -- these are all noted in credit reports.  They may make it easier to pay off your debt, but creditors see this as not meeting your full obligation.  While your credit score is important, most lenders look at other variables within a credit report --- CCC is a red flag for many lenders.\n\nIf you truly cannot repay your debt, it is smarter to declare bankruptcy instead of going through the CCC route.  Most CCC customers deteriorate into bankruptcy, anyway.  These agencies make a tidy profit (although most claim they are 'non-profit') from upfront fees, customer payments and/or settlement offers --- they rarely act in the consumer's best interest.  One or two years after filing for bankruptcy, you'll get credit offers again (although not under the best terms), as they know you can't re-file for another 5 years or so.
30136
i am in the same boat as you. far as i can tell right now you have to go and pay all the bills that got you bad credit and then go and like finance something or get a contract cell phone or get a small loan. something to build the credit back up. but that is all i can figure right now.
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
729282
if you've had bad credit, it's tough to get a credit card, since this is an unsecure loan to you.  settling the debts is pretty bad too because it means you're paying less than amount owed.  best solution to work and rebuild  your credit is to open a secured credit card if need be, use it and pay it promptly and on time. after you are consistently paying this on time.. try again to get a new card.
938453
I highly recommend you call these folks\nhttp://www.cccsintl.org/\nCCCS or Consumer Credit Counseling Service (if you are in the US)\nThey are a non profit credit counseling service that all major credit card, irs, government agencies recommend to help folks with bills.. might even prevent bankruptcy.. They can work with you and help you with contacting your creditors and what to say and help you settle with them, might even negotiate lower payments. etc.. I used to work for a major department store dept collection department and we always referred the worse cases to these folks... goodluck!
212510
try typing in bankrupt companies in www.ask.com this should help you!
464686
Try doing the opposite.  See if you can get someone with good credit to co-sign on your loan or credit card.  \n\nCo-signers usually do not benefit as much from a good credit history, but sure get in trouble if there is a missed payment or default.  It can ruin the co-signer's credit.\n\nIf you have a friend who will co-sign your card or loan, it will help you more.  I did that with a friend who filed for bankruptcy, and had a very difficult time getting credit.  They needed a credit card to reserve a hotel, buy plane tickets, or general emergencies.  I had super good credit, so the credit card company had no problem giving us a card.  It helped her pull out of bankruptcy.
343784
As of October 2005 you can no longer file bankruptcy on any credit cards and that is in every state as far as I know. I know Michigan, Indiana, and Ohio for sure but I think it may include all 50 states. It was in the news and most backruptcy lawyers have  a copy of the newpaper article in their offices. Yes it is true you can file on hospital bills, autos, or anything you owe on except credit cards.
475111
Sure if you want to be raped. If you're trying to fix your credit, start with a secured credit card. You know, one that requires 75 to a hundred dollars per year to have and has bad intrest, but don't use if for more than 50 dollars at a time and never make a late payment. After a year or two, ditch it for a better card with no yearly fee. This is a leg up to a better credit score.
163927
If you use your credit cards after bankruptcy, be prepared to pay everything you charge on them.  \n\nYou should cut up your credit cards.  That's what got you into bankruptcy in the first place.