Well, the bankruptcy certainly explains the rate they have you at. I would change the strategy from trying to get a new card and judiciously use the one(s) you have. Use 'em regularly, and pay 'em off every month. Regardless of the reasons for the BK, if you keep being good about using your credit, you should get your scores up and be able to avail yourself of better offers after next spring.Good luck!RignwraithV
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