New Member
Posts: 9
Registered: ‎07-18-2014

open credit cards after chapter 7

I filled bk chapter 7 feb 26th and discharged jun 3rd. some of my credit accounts are still open (amx, citi, macys, bill me later) my question is can i use them and what happens if i use them? i applied secured credit card (capone and such) got denied. my credit score (based on creditkarma and are 684 transuninon and 654 expr.... i want to rebuild my credit....:smileyfrustrated:

Established Contributor
Posts: 961
Registered: ‎11-14-2013

Re: open credit cards after chapter 7

If you're discharged and they survived, then roll with it. Worst that happens is they cancel them later on - but if not, then you've got some good cards to rebuild with.

I would avoid asking for any CLIs though! At least for a few years.
BK Discharge 2/11/14

Starting Scores:
EQ: 612
EX: 601
TU: 609

Current Scores (10.1.14)
EQ: 679
EX: 683
TU: 681

Goal: 720

Currently in the garden.
Valued Contributor
Posts: 1,771
Registered: ‎08-24-2013

Re: open credit cards after chapter 7

Given that ALL debt is included in a ch7 bankruptcy per the bankruptcy laws, would it not constitute fraud for someone to try and use a tradeline, without the creditor's authorization, knowing that said tradeline is legally included in the filing/discharge whether or not it was listed in the debtor schedule?

Starting Score: 618
Scores on 10/9/13: EFX 652, XPN 669, TUC 662
Scores on 3/17/14: EFX 649, XPN 677, TUC 681
Goal Score: 720 ALL

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New Member
Posts: 9
Registered: ‎07-18-2014

Re: open credit cards after chapter 7

I guess i will have to ask my lawyer to get his input on this. if filling chapter 7 terminates all the credit cards and their terms after discharge then the current open credit cards terms may be no longer valid and may need reaffirming. this is getting to complex. :smileysad:

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