Some people worry that they won't have access to credit after a bankruptcy. Bankruptcy has a direct and provable negative effect on your credit, in part, as a way to deter people from filing unnecessarily. However, it is often less damaging to your credit than multiple delinquent accounts and judgments against you.
Typically, your open lines of credit that you do not reaffirm as part of bankruptcy proceedings wind up discharged and unavailable to you. It is common for people to wonder when they might be able to qualify for credit again after they finish bankruptcy. The good news is that so long as you are responsible and make sure you have your priorities straight, it is possible to begin using credit again within weeks of your discharge.