Hiiiiii Big Blue, you came to the right place! First off we welcome you to The Network, where everyone is so helpful and friendly. Most people are at work, luckily I took today and tomorrow off, but they will be in here soon to add to my recommendations. We bust our behinds in here!
OK, so let me take notes to what you are saying and fill you in the best way that I can, I am in the fair credit stage but I will do my best.
1. You filed bk 10 years back and would like to know how long it takes before it is removed
Normally that can take up to 10 years. You are at the border line for it to drop off. Hold your horses on that, your time is here. Bk friendly cards are basically what you asking about right? Barclay's Bank (Travelocity Mastercard...etc, Hooter's, Walmart, JcPenny's, Lowe's, Target etc, are good cards to start with, Here is a link MaryM started for you to get more info
https://www.financeglobe.com/SocialNet/forum/showthread.php?t=538&highlight=friendly
2. You applied for a new card recently but was denied.
Good news and bad news, banks are pretty sketchy and tight right now, so don't be depressed about the denials. How many cards have you applied for within 1 yr? That can also cause denials, inquiries will hurt you when you apply often. I really don't want to blame it on the BK because like I said before, inq can hurt and banks use their own scoring method to determine approvals/denials. Here are a few links to search for cards that are within your credit range instead of applying for cards that are over-qualified for our credit backgrounds.
1. By score match
https://www.financeglobe.com/ScoreMatch/
2. Credit cards for Poor credit
https://www.financeglobe.com/Finance/Poor+Credit-Needed-Cards.php
3. Application Statuses (Use the drop-down boxes to search for certain scores, Cb's, and to see which CB the creditor will most like pull from)
https://www.financeglobe.com/Finance/credit-card-status.shtml
3. You have two cards which are Cap1]You started out with a smart move because you have selected the best cards for rebuilding. Here is a nice link that we established for Nice Cards to Apply for. You will see where members applied and was approved for cards and the impact for applying for certain cards[/COLOR]
https://www.financeglobe.com/SocialNet/forum/showthread.php?t=361&highlight=nice+cards
4. You want to improve....? and will like to know how to raise your scores
History and low utilization is the best and only way to improve scores. Sometimes you have to open a different type of accounts so that they can grow altogether such as; credit cards (master card/visa), charge cards, department store cards, lines of credit, and some people apply for small loans then pay it off. Here is a great link from our author Mary Tomkin's
https://www.financeglobe.com/Finance/Articles/articles/17/1/10-Steps-To-Improving-Your-Credit-Score/Page1.html
5. Scores are in the 640's
That is a nice score! Way to go! They will increase when the BK drops also. But let me say one thing, scores goes up and down on a daily basis because the 3 Cb's has there own way of how they measure our scores. The most decrease comes from high utilization and new applications (inquiries) they can plunge your scores by 100 if you over do it. Been there, done that and is still doing it]
https://www.financeglobe.com/SocialNet/forum/showthread.php?t=363&highlight=scores
6. You were about to give up]Never! When there is a will there is a way. Once you found us, we will stick with you to the end. There is no such hope of failing here because once you joined the Fg bandwagon, the addiction to information and credit knowledge will not let you give up. You are going to learn so much about credit until you will refuse to go back down that lonely miserable road called DESTRUCTION!
now I must tell you this, banks are hurting right now, well at least they say they are, and we strongly recommend that you do not go on a huge credit spree because members credit limits are being decreased like mad-dogs. Oh yes, they are out to get us for no reason at all. Some will decrease your limit because your scores dropped, you applied for too much credit, paying to slow, too many new accounts, or just being an AH period. Apply with caution and check your accounts on a daily basis. So far, I have not heard of the two cards you have doing any decreasing, but I will not be surprised if a posting came in while I am typing to you.
I hope this helped, if not, there are more to come. So in the meantime, browse the links I provided and feel free to browse the site until more postings come in for you.
Welcome aboard Buddie! 
