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The points, among others, will include the fact that you recently received your credit and also will point out any increased usage immediately preceding the bankruptcy filing. You may be questioned as to why you filed for credit card bankruptcy right after obtaining a large cash advance.
All these reasons will help the bank show the court you never intended to pay them. If you plan to file for bankruptcy, set your credit card aside and wait six months before filing. If you plan on trying to prove your financial problems, an inactive credit card will help.
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