Generally you cannot keep your credit cards when you file for bankruptcy.  Why would you want to stay in debt after bankruptcy?  However, some creditors will let you keep your credit cards or financed items if you reaffirm the debt and make payments to that creditor after your bankruptcy is discharged.  The court must review and approve a reaffirmation agreement to make sure it is affordable for you and won’t likely put you back in the hole after filing for bankruptcy.   In most cases, the bankruptcy judge will not let you reaffirm a credit card because the terms are usually horrible and there are usually plenty of credit offers shortly after bankruptcy.   The most popular reaffirmations are for car loans and for home mortgages.  Reaffirmation agreements are only filed in chapter 7 bankruptcy cases.  There are no reaffirmations in a chapter 13 case.