When you apply for a credit card, issuers will check your credit report to see if you qualify. This check will be indicated on your report and may temporarily lower your score. This may feel like a catch-22 for people recovering from bankruptcy: You need a credit card to help repair your score, but applying for cards may temporarily hurt it, making it even harder to qualify for a credit card. Instead of sending out multiple applications at once, you should do your research and apply for a card within your credit range (secured cards are often a good way to go).