Davids-Geneco is right. When you file, you're required to list every debt. The creditor will be notified of the BK, and account closed. If you have a $0 balance card that isn't listed, there is still a good chance the card will be closed when the creditor does a periodic review.
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Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.
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