Congratulations on the baby!
From my personal experience, it has been 6 years since my chapter 7 discharge. I have not been able to get back into Chase, Bank of America, Citi, and Discover. I can not longer bank with SECU(in NC) and Safe FCU(in SC). I was able to get back in Capital One after the one year mark. At the 5 year mark, I got back in with American Express. I didn't burn but if you do, you're basically blacklisted for life.
I did use SoulMater's 24 month plan. It actually worked for me. I got my score up to low 700's. Right now my core go to banks and credit unions are PNC, SCSCU, and Navy Federal. I still think credit unions are the best for a credit rebuild.
Hope this helps.
Amex is clear. If you burned them in BK, you will have to pay them back in full before they will consider any cards in the future, or you'll be in BL land for many many years. The soonest you can get back with them if they weren't IIB is 5 yrs and 1 month post file date, no exceptions.
I have given up on Chase until my BK falls off next year. It is pointless to try with them.
As for Amex I didn't have a card with them and now they are offering me thier Amex Platinum card.
Cap one is probably the only one you will be able to get back with in the near future.
Chase has the longest memory IMHO, followed by AMEX and CITI.
I filed for BK 2005, it took me thirteen years to get back in with AMEX and Citi.
Chase still says nope, but I don't blame any of them.
Forget Chase/Amex/Citi/etc., and get in with a BK friendly credit union. You'll probably need to wait a year post discharge for an unsecured approval, so do a secured card or two (or even a subprime unsecured card) and have that positive history ready. Also be sure that your accounts/inquiries don't look "trigger happy" as I think it can lessen chances of approval with the CUs.
As others have mentioned, CapOne lets most folks back in although that wasn't the case for me.
I have done so well with Navy and PenFed that I really don't care about CCs from the major banks at all, and I would never for a minute consider paying back $ discharged in a BK. Plenty of others to do business with.
Perhaps not a way into Navy for you, but anyone can get into PenFed and there are other CUs that are BK friendly as well.