As mentioned in an earlier Blog that one cannot pick and choose the debts they wish to include in a bankruptcy. In general, if someone has a zero balance on a credit card that particular card will not be included in the bankruptcy filing. One may think that they will then be able to use that credit card in the future. In most cases the lender will close your account once they get wind of the bankruptcy filing and in this new credit environment they will close it.

If you want to have a credit card to re-establish your credit, check out secured credit cards or a lender that was not part of your bankruptcy filing.