Can I apply for a business credit card after having a... - Credit Cards for Business FAQ

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Credit Card Applications » Questions » FAQs » Credit Cards for Business » Can I apply for a business credit card after having a Chapter 13 bankruptcy?

Can I apply for a business credit card after having a Chapter 13 bankruptcy?

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Your bankruptcy filing will likely remain on your credit report for the next decade dragging your credit score down and making it unlikely that you will be approved for many business credit cards. Think about what you plan to use the business credit card for, and whether a prepaid card might meet your needs for convenient payment method instead of a business credit card.

Chapter 13 bankruptcy requires that you write up a debt repayment plan and make payments until all the debts are discharged – which means that you may still be paying off debt following your bankruptcy. You may want to consider whether getting a credit card is the best financial move for you.

If you are determined to get a credit card, you will need to look at credit cards for bad credit. A secured card might be the best way to go until your bankruptcy filing is behind you and you have regained your financial footing.

All credit cards terms, fees and rates mentioned in this article/post are actual on the posting date. See the current products’ Terms & Conditions on the issuing banks' websites.
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