Credit Card Still in My Credit Report Even After 341 Meeting

I had my 341 meeting Feb. 12, 2010. I checked my Sears credit card account online today and it appears that it has not been closed, I did not owe them any money when I filed for Bankruptcy. Should I try to use this card and continue to make regular monthly payments in an attempt to rebuild my credit or do you think they will close the account. If they did close my account and I had a balance on it could they raise the intrest rate or do something else that could create a problem for me.
Thanks

Mr. alan poyer

Answers – Mr Poyer, if you did not include the Sears credit card in your bankruptcy, then technically, it should still be open. Whether they will close it after their regular scanning of your credit reports remains to be seen.

The key to rebuilding your credit after bankruptcy is simply responsible use of credit. I would suggest that you do not even consider carrying a balance on any credit card. Instead, use it as a tool to rebuild your credit. Only charge what you can pay in full every month. Pay it off on time and in full. That way, in the event that they ever decide to cancel your card, all you have to do is to pay it off in fully and be done with it.

If that ever happens, just apply for a secured credit card and you can continue your journey of rebuilding your credit.

And also, please keep us updated as to whether they keep your card open.