how long before bankruptcy can i use my credit card?

Answer 1

If you are asking this bankruptcy will probably not help you, as you make it sound as if you are trying to get every last bit of money out with no intention of paying.

There is really no set time limit. If the credit card company thinks you charged up a lot without intention to pay they could come after you. So if you are thinking of charging a few thousand dollars, and never pay it but then declare bankruptcy that strategy might come back and cause you more problems. These could be as simple as your bankruptcy being dismissed to being in court for fraud.

Answer 2

If at all possible, I strongly recommend that you do NOT use your credit cards for at least 90 days before the date you file your petition for bankruptcy. If you do, the Bankruptcy Trustee or your creditors may take legal action to block your bankruptcy. The bankruptcy judge may look upon any charges made during that 90 days as fraudulent and the court may not not discharge (erase) those debts in your bankruptcy. You may have heard stories about people who run up all of their credit cards and go on vacations prior to filing bankruptcy, but the reality is that the Courts and creditors can and do act to stop this kind of abuse.

Sometimes credit card purchases are simply unavoidable. If you use a credit card for small purchases of "necessities of life" such as food, necessary clothing, gasoline, and similar items, and the amounts charged are relatively minor, it is unlikely that the court will require you to pay for such charges. While there are no hard and fast rules, keep in mind that you would be wise to charge only those expenses which are absolutely necessary for your family's survival and, even then, keep the amounts as small as possible.

Answer 3

90 days. Otherwise they might come after you and claim fraud, make you pay them back and maybe even put you in jail. I used my credit cards 60 days before i claimed BK and got a few lawyer notices saying they believed i committed fraud and wanted me to sign a paper saying i would pay them back. I didnt sign it and i never heard from them again but i feel like i was lucky.

I actually paid for my bankruptcy by putting it on one of the credit cards i claimed bankruptcy on. It was pretty stupid of me to do this and i just got lucky that that card didnt come after me.


*to all the others that dont know how to read*

He says how long before Bankruptcy can he use his credit card, not AFTER!

Answer 4

You haven't learned anything from your credit troubles?

Answer 5

Till it's maxed.