Q: After bankruptcy, I've had a secured credit card for one year and have made all payments on time. Can I get an unsecured credit card now?
Ideally, your secured credit card has been reporting your payments to the credit bureaus. (Most do, but check your credit report to be certain.) And I'm glad you didn't apply for a prepaid card in this case. Many consumers who can't get credit cards, or can't get them easily, like them for a variety of reasons, but using them won't have any effect on your credit.
If for some reason the bank that issued you the secured credit card won't give you an unsecured credit card, I'd talk to customer service and ask them why, and what hoops you need to jump through to get one.
Other options are gas cards, which are relatively easy to get with minimal credit history, and department store cards, which have a low entry barrier for people with bankruptcies or poor credit. Department store cards typically charge high interest rates, though, so you really want to be careful not to carry a revolving balance and only use a store credit card to help you build up your credit.
No matter which card you use, the best way to rebuild your credit score is to keep doing what you're doing: pay in full, and especially, pay on time.
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