I'm a bit confused by the responses. Why is it impossible to reaffirm a credit card? Although it's generally unwise, I know of no process that limits reaffirmations to loans. If a debtor wanted to reaffirm credit card debt, what's to stop her?
As far as preference goes, that would certainly apply to payments pre-filing. Preferential payments could be reallocated by the trustee. But a post-filing reaffirmation agreement is not the same as a pre-filing preferential payment.
A few good reasons NOT to reaffirm credit card debt include: 1) There isn't a guarantee the card issuer won't close the account (unless it's part of the agreement); and 2) There's no guarantee a reaffirmed card will continue to report to credit reports. If this is the main reason one seeks a reaffirmation, then the efforts may be wasted; and 3) NOT reaffirming debt means starting post-discharge without debt, which often defeats the purpose of filing bankruptcy.
If you're concerned about burning a creditor, you're free to make payments post-discharge for debt that was included in bankruptcy (also generally not advised) ... at your own pace, and may discontinue doing so with no reprecussion. If you reaffirm a debt and later have a financial troubles (e.g. job loss or disability), late payments on reaffirmed debt can come back to bite you in the butt. Why do it?
