I was able to get a GE Care Credit card in 2011, but applied for walmart june 2012, and was denied due to bkrptcy.  I have score of almost 700 and not been late since Jan 2009. I was still denied.  I was also denied Credit increase last year on my Care Credit.   For first time in June, I got a Merrick bank offer with no annual fee.  I accepted the 1000 cL. I attempt to keep all my cc at zero balance.    I did not owe anything to GE or walmart in my bankruptcy.