I had a HSBC and Capital One card with a ZERO balance before filing. Took them about 30 days and they both cancelled the cards without even a notice. As a matter of fact, I had overpaid Capital one by 1.56 and they sent me a check in the mail and cancelled the card. I thought it was odd they sent me the overpayment so I tried using the card at gas pump and was denied. Sure enough went online and found they had cancelled card as well as card with HSBC bank. Also, every retail card, ie Pennys cancelled me as well without even a notice.
Hope this helps. Best of Luck and think very very very very very long and hard before you file BK. 10 years is a very long time and most credit card collection is erased in 4-5 years on credit report.
Bill