When you file for bankruptcy, you must hand over your credit cards to your LIT. An LIT will also explain credit rebuilding strategies and programs to you. You can apply for a credit card after you’re discharged from bankruptcy and will likely need to start with a secured credit card, where you would pay a deposit to guarantee your credit limit.
Using a credit card responsibly is one of the most effective ways to rebuild your credit score. If you obtain a secured credit card, use it to charge a few reasonable amounts, and pay off the balance in full and on time each month, you're establishing that you're a responsible borrower.