As soon as your proposal is approved in court (roughly two months after you filed) you may apply for a new credit card. There are not many creditors willing to lend to borrowers like you, so tread carefully. When you are rebuilding your credit, the most impactful new credit is going to be a credit card - more than a loan by far. In our experience, Capital One is a terrific company for credit rebuilding - even if they were included in your consumer proposal! After they approve you, you will be expected to give them a security deposit, which rarely exceeds $300, regardless of the limit. HomeTrust Company offers a credit card secured with a deposit from you. For every dollar you send to them, they will add it to your credit limit.