Bankruptcy affects your credit score in a highly degrading way. It will be very difficult for you to secure a credit card after you are under the bankruptcy cloud. The stain created by bankruptcy can last for 10 years on your credit report. However, this does not mean that you will not be able to secure a credit card for the whole of your next 10 years in life. If you begin restoring your credit, you will be able to get a credit card within several years. Until you improve your credit enough so that you can go for normal credit cards, a secured credit card is the only option before you once you are bankrupt.