Originally Posted by deant

Your best bet is to go VERY slow and get your credit score up. You should probably wait another 4 or 5 months before applying for another credit card. A "low" 700 score is marginal. Show the CC companies that you can now handle credit by paying the balance in full and on time.

Also, forgot to ask, in the bk, which banks did you owe money and did they have to write off anything?