Question Is this ok??? Filing in 9-10 months

[tools2teach]

Is that time of the season again. The season of giving. Unfortunately, we are in a financial bind as all of us are here on this forum. My question is....since we are so far out from filing chapter 7. Would it be alright to charge our credit card since we will be well above the 3 months of no credit use to qualify for a 7? Or will this hurt us when we file late next year?

[justbroke]

Yes, so long as you make payments and intend to pay the debt back. Hint, hint.

If you just charge up the cards, and never pay a dime on them... fraud.

[tools2teach]

So as long as I keep paying the minimum up until we file, then we should be ok. I plan to stop using my credit cards by the end of December. That gives us 7-8 months of no credit card use. I am right on this?

[justbroke]

So as long as I keep paying the minimum up until we file, then we should be ok. I plan to stop using my credit cards by the end of December. That gives us 7-8 months of no credit card use. I am right on this?

Should be okay.

However, you should stop using credit when you know you are in trouble.