 TITLE: Can I Get a Credit Card After Bankruptcy? CONTENT: Tips for Using Credit Cards After Bankruptcy\n--------------------------------------------\nBankruptcy is a painful process but can be a meaningful way to gain a clean slate on your finances and a chance to rework your approach to credit management. If you resolve to keep credit purchases at a level you can pay off quickly, and avoid excessive debt, your credit standing and credit scores should gradually but steadily improve. Paying your credit card balance in full every month will also help you avoid interest charges and costly late fees.\nEven more important is to pay your credit card bills on time. Payment history is the most significant factor that determines your FICO® Score☉ , so steady on-time payments will help increase your score, while late or missed payments can seriously lower them.\nMost credit card issuers offer tools to help you avoid late payments, such as email and text alerts, and the ability to schedule automatic payments every month. Taking advantage of these tools, or using any other method that reminds you to pay your bills on time—smartphone reminders, sticky notes, a desk calendar—can be vital to rebuilding credit after bankruptcy. END