Are Closed CC's w reduced Rates/Terms treated differently than Open Hi-Int cards?

[MaxedExpat]

Some of my cards I closed some time back, agreed to a payment schedule and received a reduced interest rate (2%-4%) and a 60-month payoff schedule.

I've been making payments on these cards, along with my other cards that have slightly higher rates (9%-12%) but which are still open and which I've continued using.

Now that I'm up against the wall (and cannot make the minimums on all of them) I'm considering BK.

Will two types of cards be treated different somehow in Bankruptcy or if I start missing payments ?

[keepsmiling]

Ugh. So sorry you wasted all that money making payments on those cards.
This is why we virtually always recommend against dmp's.

You will have to include all of your cc's. You cannot pick and choose which to keep open.
Once you stop paying, you pretty much have to stop paying all of them.

A tt may be able to claw back payments made to some while not others; and in the end, they will most likely close all of your accts anyway.