---
title: Can I apply for a credit card when I am in an insolvency process?
description: Yes, you can apply for a credit when you're in the insolvency process.
---

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# Can I apply for a credit card when I am in an insolvency process?

## Yes, you can apply for a credit when you're in the insolvency process.

However, it is recommended to let your credit card company know you are in an ongoing Consumer Proposal.

It is likely that you will only be approved for a "Secured" credit card – requiring you to make a deposit to cover any default. 

- [Consumer Proposals](https://knowledge.bnadebtsolutions.ca/knowledge/consumer-proposals?hsLang=en#main-content)

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    - [Orderly Payment of Debts (OPD) - Offered through Money Mentors](https://knowledge.bnadebtsolutions.ca/knowledge/debt-repayment-options?hsLang=en#orderly-payment-of-debts-opd-offered-through-money-mentors)
    - [Consumer Proposal (debts less than $250,000, excluding principal residence mortgage)](https://knowledge.bnadebtsolutions.ca/knowledge/debt-repayment-options?hsLang=en#consumer-proposal-debts-less-than-250000-excluding-principal-residence-mortgage)
    - [Division I Proposal (debts over $250,000, excluding principal residence mortgage)](https://knowledge.bnadebtsolutions.ca/knowledge/debt-repayment-options?hsLang=en#division-i-proposal-debts-over-250000-excluding-principal-residence-mortgage)
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