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At Craft Law Offices, we are often asked questions about financial decisions. Filing for bankruptcy is a huge decision, and we want to help guide you through the process, both as you file and as you plan for a new financial future. 

One important step to take after filing for bankruptcy is to rebuild your credit. The sure way to do this is by paying all of your bills on time. Credit cards can also help improve your credit score, but only if you use them wisely. Before you get a credit card, weigh your options and find a credit card that best fits your needs. Also, remember that credit cards only improve your credit score if you make all of your payments on time.

According to, there are hundreds of types of credit cards. Here are some of the main types you can choose from:

  • The simplest credit card to use and understand are the standard credit cards that don’t offer any rewards. You are given a set credit limit with a minimum monthly payment. If you are looking for a straight-foward, uncomplicated credit card, this is a great choice for you.
  • Reward credit cards offer certain types of rewards when you make purchases with their card. The most common types of rewards that you can earn with these cards are cash back, points, or travel rewards. You can choose these credit cards based off of which type of reward works best for you.
  • Secured credit cards are a great option for people who have filed for bankruptcy. With these cards, you pay a security deposit upfront. Your credit limit is then equal to the amount of your deposit. That one, if you are unable to repay charges, you have a back-up plan with this card.

For more information on the types of credit cards out there, be sure to visit

For bankruptcy attorneys who are here to help you build a brighter financial future, give us a call at Craft Law Offices in Greenville, NC.