FILL OUT THE FORM BELOW AND RECEIVE A NO-OBLIGATION CONSULTATION

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If you have unsecured debt of under $10,000 and live in the Province of Ontario filing bankruptcy may not be the best option for you. We suggest you contact the Office of the Superintendent of Bankruptcy at 416-973-6441 to discuss your options, or you can visit their website here.

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Credit Card Query

I see you have a couple of unsecured credit card questions up – but I have another one!

I went back to one of my old banks when I declared bankruptcy, and my statements kept including that they owed me -$1.45 on an old Visa. I definitely turned in all credit cards I had at bankruptcy.

I finished my period of bankruptcy and received a partial discharge where I make payments for an additional 12 months due to excess family income. I did call my bank to enquire about the credit card, and they sent me a new one that is unsecured as they owed me money on the account that had not been active in 6 years – it was an old student one I cut up at that time.

Am I able to use it or will I get into some kind of trouble for this situation? Seems to me if the bank sent it to me I should be able to use it and start rebuilding my credit….

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One Response to “Credit Card Query”

Barton Goth, GCO Inc. Bankruptcy Trustees said...

To be safe, I would not use it until you are fully discharged from bankruptcy.