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After filing bankruptcy, you may find it difficult to take out loans with favorable terms—if you’re even approved at all. Still, it’s important to get back in the saddle and start rebuilding your credit score. Though a secured credit card can help, you may need to take out an unsecured credit card to rebuild your credit more quickly.

An unsecured credit card allows you to borrow money that isn’t attached to any kind of lien—in order words, it’s a typical credit card. After you file for bankruptcy, you probably won’t get a credit card with a favorable interest rate or credit limit, but that won’t matter as long as you pay off your credit card on time and in full every month. You can only improve your credit score by proving that you’re a reliable lender.

The bankruptcy lawyers at Cutler & Associates, Ltd. can help you understand what happens before, during, and after the bankruptcy process.