It’s up to each credit-card issuer to decide if you can use your card after filing bankruptcy. For cards where you owe money, most creditors will cancel the account as soon as they receive notice that you’ve filed bankruptcy. If you want to keep the card open, you’ll face the following challenges:
- The balance owed on the card cannot be discharged
- You must prove to you can afford to continue payments
- You’ll need permission to make charges to the card in the future
For credit cards where you have a $0 balance, the creditor will likely leave the account open until they see the record of bankruptcy on your credit reports.