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If you received some large cash advances and then filed for bankruptcy, that might be used as a reason. Proof of your intention to defraud your creditors will be established by all these actions. Waiting for six months between the time you last use your credit card and when you file for credit card bankruptcy is best. Financial hardship is easier to prove if there is a lack of activity on your credit card. Don't file for credit card bankruptcy until you have discussed your situation with a lawyer.
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