You are required to list all outstanding debts that you owe as of the date of the filing of a bankruptcy petition. Any accounts that have a zero balance do not have to be listed. For those credits cards that have balances, if you agree with the creditor to repay all or any portion of the card's balance at the time of filing, you may be able to execute a document known as Reaffirmation Agreement that documents your willingness to continue to be responsible for this debt after the bankruptcy is discharged. In most cases, the Bankruptcy Court must approve of the Reaffirmation Agreement before it becomes effective.
You may want to keep some credit cards even after bankruptcy