Question about the Credit Card thing

[needachance]

We have one card that we zero balance every month, just use it for gas etc. Do we have to quit using that card 90 days before filing too? Or is it just that we would owe for anything charged less than 90 days ago? We really don't care about the terms of this card as we have been using it "appropriately" ie never carrying balance for almost 5 years, about the same time we quit charging anything that carries a balance.

Thanks for any input you can give me on this.

[justbroke]

If you can, stop using it (period).

[music12]

if you are paying it every month, it's probably not a true creditor.

however, once you file, they could close your account, so might as well stop using it so you are used to not using it once you can't use it any more. (ok, sorry i'm using the word use four times in half a sentence...)