Using credit cards around the time of a bankruptcy filing can raise concerns with the court. This post explains why credit cards should not be used after filing, why the 90 days before filing matter, and why running up cards with the intention of filing on those debts is a problem.
Frequently Asked Questions
Can I keep using a credit card after I file bankruptcy?
You do not want to continue to use any credit cards after filing bankruptcy. You actually do not want to use any of your credit cards within 90 days of filing a bankruptcy. That can be seen as bad faith from the court’s perspective.
You also do not want to max out credit cards within a certain time period before filing a bankruptcy with the intention of filing a bankruptcy on those specific debts.
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