You will not be able to keep your credit cards when you file for bankruptcy, even if you've paid off the credit card debt prior to filing. The reason for that is most credit card companies are alerted when a customer of theirs files bankruptcy, and they will close those accounts. They don't want to open an account for someone who's in bankruptcy. However, that doesn't mean that you will forever be without a credit card. Most of my clients, for example, after receiving a discharge from a chapter seven, can easily apply and obtain a credit card at that time. The chance to rebuild credit is there; you're just starting fresh with a new credit card.