Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How long after bankruptcy can you get a secured credit card? - I am going through bankruptcy right now and am curious how long after my debt is discharged can I get a secured credit card. I don't plan on taking on anymore debt but I know that if I want to rebuild my credit score that a secured card with money in a savings account is a good way to do this. Problem is I have been researching cards and what I found is you are not eligible until 18 months after bankruptcy. Which means I would need to start building a savings account.