Loading up your credit cards just before you file for bankruptcy may be something you live to regret. Debts from purchases and cash advances taken just before filing for bankruptcy may not be "discharged", or wiped out by the bankruptcy.
In general, you are not required to surrender your credit cards at your bankruptcy 341 hearing (also called the meeting of creditors). Depending on where you live, certain bankruptcy courts or trustees may still ask you to turn them over.
How much of your credit card debt you must pay through your Chapter 13 bankruptcy plan depends on a number of factors. Whatever amount is left at the end of your repayment period will be discharged (wiped out).
If you're having financial difficulties and you have available credit on your credit cards, it may be tempting to take out a cash advance to float your budget a little while longer. However, taking out a cash advance could cause you problems if you end up filing bankruptcy afterward.
Despite your recent bankruptcy, you will probably get many credit card offers in the mail or over the Internet. Most recent bankruptcy filers can get a credit card -- but interest rates and fees are likely to be very high.