Will my credit card be denied after I file for bankruptcy? 23 Answers as of August 31, 2011

That happens when you file for bankruptcy, the creditors cut you off. There is nothing you can do about that.

Credit cards are routinely canceled after a bankruptcy filing. Most lawyers suggest you learn to stop living on credit cards. It's the most expensive way to buy something. Hopefully, you listed them all on your petition. Credit can eventually be rebuilt. But why? In this economy, cash is king.

Yes. Because you signed your installment agreement prior to filing bankruptcy, the creditor will terminate your card. You will need to apply for new credit.

Credit cards get canceled after filing bankruptcy. You should apply for new one(s) if you're not gonna go green.

When you filed bankruptcy the debt on your credit card accounts were discharged. I imagine you stopped paying them. Therefore, the credit card companies close your account. If you haven't yet, you will receive credit card offers in the mail even after filing bankruptcy. You may also apply for new credit cards online.

Most credit card companies will treat a bankruptcy as a cancellation of the credit card. You should contact them and see if you can start again with them. Sometimes after a bankruptcy they will want to work with you because you have a better debt to asset ratio and you can not file for Chapter 7 again for 8 years.

The credit card companies do have the right to deny or close accounts after you have filed Bankruptcy. You will get offers after your discharge.

Denial of any credit card is possible after filing bankruptcy. This can even be the case if the card has no balance at the time of filing. There really isn't anything you can do. If you really need a credit card to use, I would suggest trying to live within your budget and use your debit card or purchasing a prepared credit card. The prepaid card won't help in reestablishing your credit, but it can be helpful in the case of an emergency.

Of course they will be denied.

The purpose is to get a fresh start. The old c/c debts are now discharged. You were probably in bankruptcy for using them too easily. We suggest you live on a cash basis for awhile.

When you file for bankruptcy, if there are any credit cards that don't have a balance owed, they don't need to be included in the filing. However, not listing the card does not guarantee that the card will survive the bankruptcy. Many of the credit card companies will check the bankruptcy filings every day and whether their card was listed or not, they will close out your account. The only way to try to re-activate the card is to reach out to the lender directly. Let them know that you want to keep the card, you did not list the card in the bankruptcy filing, and you will sign something post filing to re-obligate yourself. It is up to the lender to decide if they want to offer you a card. If not, you will be eligible for new credit card offers very soon.

Apply for new ones.

You thought that if you didn't list certain credit cards, then they would not know about the bankruptcy. You were wrong. The 3 credit reporting agencies are electronically connected to the Court. They knew right away when you filed. And then they squealed to your unreported credit cards. You are required to report ALL of your bills. It is illegal, immoral and fattening to fail to list a debt, of any type, on your petition. So now you must go back and amend your petition to include all of the debts you actually owed on the date you filed. Yes, even the small ones. You may want to get used to using a debit card. Credit is poison. Good luck.

When you file bankruptcy companies will revoke your credit cards.

Pay cash, use a debit card or get a secured credit card where you make a deposit of your money and the credit card company gives you a line of credit up to that amount. By filing bankruptcy your contract with the credit card companies is gone and they have no obligation to give you any more credit.

A credit card company can extend credit to whomever it chooses. So while filing bankruptcy does not mean they must stop extending you credit, it usually has that effect. At this point your best chance at building credit is to obtain a secured credit card from a bank and pay off the balance each month.

First of all, your question tells me that you made the catastrophic mistake of filing pro se. Pro se cases tend to go downhill and fail, so before you make more mistakes and get more surprises, hire a lawyer to fix and help your case. As your lawyer would have told you, your credit cards were toast the moment you filed. Cards you owed on obviously would not work. And all creditors these days will cancel even zero balance cards when they learn of the filing. (And if you have a 13 you are breaking the law in attempting to use the card). Get a lawyer. Immediately.