Ask your attorney about reaffirming. Remember, the judge has to approve reaffirmations, if you can reaffirm it might make sense to reaffirm sayyour three best cards.
Your score hit will be reduced because while negatives from before filing remain, you'll have none. Since you won't have discharged any debt on any of these cards (but it may be a problem if you discharged business debt to the same creditor) you may have an easier time regaining accounts..
Most cards monitor BK filings and will shut off even if you don't list them on your schedules.
