I think I really messed up!!! Please help!

[mmiller7203]

I am not even sure if my BK has been discharged. I just went to court 2.5 weeks ago. I thought everything was done (my lawyer basically told me that I would get something in the mail in a couple weeks). I got an approval letter from Orchard Bank and I applied and got the credit card. Now I am looking at forums and finding that you should wait until after discharge!!! did I mess everything up??????

[sunshine08]

Probably not, BUT don't use it!!!!!! Remember how you got here to start with. Tell your attorney, he needs to be prepared...........
Also, immediately get down on your knees and pray that you know who misses this post, ( you can only hope)

[Genenco]

I am not even sure if my BK has been discharged. I just went to court 2.5 weeks ago. I thought everything was done (my lawyer basically told me that I would get something in the mail in a couple weeks). I got an approval letter from Orchard Bank and I applied and got the credit card. Now I am looking at forums and finding that you should wait until after discharge!!! did I mess everything up??????

Nah, you didn't so it intentionally. Your lawyer SHOULD have told you things not to do for awhile. But like Sunshine said. Just don't use it and you should be ok.

Have a good day and saty warm!

[StaciMM]

You'll be ok. The discharge takes a MINIMUM of 60 days after your 341. Most likely a little longer, since the courts are kind of busy.

Put the card in your sock drawer, and let it collect dust for a little while. If there is an annual fee, it will be billed on your 1st statement. Be sure to make the minimum (probably $15) or more. Otherwise you'll end up with late payments, etc.