I immediately applied and got approved with two credit unions for a secured credit card, immediately after my BK discharged. Also, Cap One is awesome in that they approved me not too long after for their basic unsecured card. Then after a year later got approved for a 0% interest quick silver Cap one card. So i opened a online savings with them since they were good to me and was offering a bonus. i opened a 10k savings account for 3 months and got $100 free. I am grateful for Cap one and will remember them and highly recommend for those building their credit. its been 5 years since bk discharged and i am still getting declined from bbva compass, and other banks. Especially banks who have business emphasis, they frown heavily on BKs.