This was my experience (by proxy, my aunt went bankrupt and the day it was final, bought a new car and had tons of credit card offers). They do this because they know you can't go bankrupt again for quite a while, so you're on the hook the second time.

TBH that's the problem of the companies handing out the credit cards. Companies that do that are making a business decision. You and I need not worry about their business model because they have their own spreadsheets with assumptions of how many people will not pay.

I realize Halloween was only a week ago, but I seriously never see people handing out candy as often as they do credit cards.