Credit Card surviving Bankruptcy?

[nosaint]

I kept a first premier card through my bk. Still works. It was a low limit cc that I didn't bk on. figured if they cancel me I can just pay it off. It came through just fine.

[Charlie777]

My Kohls and Macys survived BK and I continue to use them. Exxon/Mobil was killed within 12 hours of filing, I included other Citibank accounts and suspect they have very quick electroic monitoring of filings, and cross-referencing.

[HHM]

It can happen, especially with those store based cards (as they are considered sub prime cards with relatively lax standards).

Should you count on a CC surviving BK, no. Does it sometimes happen, yes. Especially if the card had a zero balance at the time the case was filed.

They do know you filed BK, but, apparently, your credit profile notwithstanding the BK still allows you to qualify for that card.

[stormy]

I was surprised to receive a card in the mail from Victoria's Secret asking why I hadn't purchased anything from them in awhile and giving me a offer for $10 any $50 purchase if I used my VS credit card.

I went back through my paperwork for my bankruptcy; I hadn't included their card since I didn't have a balance on it at the time nor had I received anything from them saying they were closing the account due to my filing.

Curious, I called the 800 number and spoke to a customer service rep who told me that my card is indeed valid and had survived the bankruptcy.

It was a nice little surprise that I wasn't expecting.