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how soon can apply

ekelly4200
10-11-2006, 05:34 PM
Do I have to wait until discharged to apply for credit/store card or can I try after we are filed. There are some places I shop that give discounts, coupons if you use their card and I hate to miss out on these deals (mostly kids clothing) Its not that I need to pay by credit but would like to take advantage of the deals that are sometimes only valid if paying with their card.
lrprn
10-11-2006, 06:25 PM
Do I have to wait until discharged to apply for credit/store card or can I try after we are filed. There are some places I shop that give discounts, coupons if you use their card and I hate to miss out on these deals (mostly kids clothing) Its not that I need to pay by credit but would like to take advantage of the deals that are sometimes only valid if paying with their card.

If you have filed but your case isn't discharge and officially closed, you are not to take on any new debt (in other words, get a credit card) without your trustee's permission. Try using coupons and other money-saving deals until your case is closed.

Frankly it would be a miracle if anyone gave you a credit card before discharge anyway. Since you are pre-discharge, depending on your state, the new card could potentially be included in your bankruptcy and any balance wiped out. No company in their right mind would give you a card right now.
ekelly4200
10-11-2006, 07:42 PM
If you have filed but your case isn't discharge and officially closed, you are not to take on any new debt (in other words, get a credit card) without your trustee's permission. Try using coupons and other money-saving deals until your case is closed.

Frankly it would be a miracle if anyone gave you a credit card before discharge anyway. Since you are pre-discharge, depending on your state, the new card could potentially be included in your bankruptcy and any balance wiped out. No company in their right mind would give you a card right now.

ah gotcha. I would plan on keeping any card and paying it (any other way is fraud knowing I was doing ch 7) I know it would be ify but wasn't sure if it was even allowed at this point. Thanks