No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
So years later when he is making 6 figures and has an 850 score the bank sues him for $200k.
Actually, they can get the judgement now and collect later.
His credit is already ruined.
I am not a lawyer either, but I did my entire BK by myself which included businesses, cars, home, credit cards, and more.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!