question regarding credit on a CC

[monkatom]

I know you should not use you're CC for at least 90 days before filling. One quick question though what if you cancel a service that was paid for with a CC and they refund the balance to the CC in the 90 day timeframe will the CC company use that as a way to say a CC was "used" within 90 days?

[magyar123]

The refund was not of your doing/not a charge by you. It was credited back to your account.Say one day you go shopping/buy something, amd pay by credit card. After returning home you realize that that item was not working. You go back to the store, even several days/weeks later, and request a refund. The merchant will run a "credit" through, which a day or two later will show up as a credit on/to your account - and not a payment.

[DontBother]

I believe that BK law says that any purchased made within 90 days of filing are presumed to be non-dischargable. It makes no reference to refunds within the context.

[BKcrazy]

I think they are looking for luxury charges in those 90 days. Like trips, and fun stuff. Not bills or things like that. My attorney said most creditors won't try to argue over car repairs or things like that.

[ejny65]

is buying a video game for kid's Xmas considered luxury? had to

[CATCHMEIFYOUCAN]

I doubt it. I bought a bunch of junk at target before i filed (cds, dvds etc), was never an issue in my case.

Good Luck, Catchmeifyoucan

[BKcrazy]

They have to prove something was luxury. And I've heard that they will not always argue things. Least that is what my attorney told me. I had about $400 in car repairs on a car before I even went to my consultation. He said don't worry.

[halloweendmb1]

is a cash advance considered a lux item? I used it to pay bills my checking accout will reflect this