You can apply at any time. It will be up to the credit card and mortgage companies whether they will approve you for credit; every company has different standards. If you recently filed your bankruptcy the credit companies will view you as a higher risk; the more time that passes, the less of a risk you are. You might need to start with a secured or prepaid card. Keep in mind that you might get a higher interest rate if you recently filed for bankruptcy, so you might want to consider having the mortgage be in your husband's name only (but still have the house titled in both names).
This response is not legal advice and does not create an attorney/client relationship. This response is intended to provide general information about the matter in question. Often, the question does not include important facts that, if known, could significantly change the reply and make it unsuitable.
In addition to the good advise my colleague gave already gave you. We tell our clients to open an account with Credit Karma. It informative, free and they do not send you junk. I have an account myself
You cannot incur any additional debt while you are in your Ch.13 Plan. After the Plan is complete, you can apply for credit. It will be up to the creditor's rules whether it is granted, and the interest rate and terms. Good luck.
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It needs to be clear what you mean. You inquire about "after filing." If you are in your Chapter 13 case, you should not be incurring any credit without court approval and a credit card is not likely. If you are done with the Chapter 13 case, then you may apply and you have received some good suggestions for consideration in the earlier answers.
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