Q: If I file for bankruptcy can I keep a credit card ?
You should be able to keep credit cards with zero balances at the time you file. However, that depends upon the creditor.
If you owe the creditor less than $600 and really want to keep the credit card, you may wish to consider paying it off before you file.
If you owe the creditor more than $600, please be advised that paying a single creditor more than $600 within 90 days before a bankruptcy may be avoidable as a preferential transfer. In such cases, I would question whether keeping a particular credit card is worth it.
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