Credit card carried over from before Bankruptcy

Jono987

Hi everyone, i was discharged on December 31st 2017.

Just had an email from Virgin and realised i still held a card with them. I filled out the forms online and i just received the new card in the post today with a 1k limit the same i believe as it was before.

This account i didnt declare on my bankruptcy as the balance was 0 and to be honest i had forgotten all about it.

As i am now discharged, am i ok to use this card to rebuild my credit?

Thanks!

haggis0073

if you are discharged then all should be fine, you are only tied to the rules of BR until discharge

haggis0073

ah just realised you had this from before bankruptcy, not sure about that, i will let more experianced ppl offer advice

Jono987

Thanks mate. I assume they probably never knew i went bankrupt? As i also had an MBNA card with a 0 balance and as soon as i went BR they reduced my credit limit to 500, however this is still 1k.

TheGardener

I found a store card at the back of the sideboard drawer a few months after I went BR. I hadn't used it in a couple of years and the account had a zero balance, had always been paid on time and was still valid. I'd forgotten about it and as there was no payment trail on my bank accounts - it just never showed up.
After AD, I registered for online statements - all went fine and so I cautiously used it - again all went fine. I carry on using it now as a credit builder by using it every now and then and paying off the balance in full each month. I don't know if I should or shouldn't - but I do and the store in question has since sent a new card when the old one expired - all seems fine to me.

Jono987

Cheers mate. I think i will use it for small amounts, like my petrol each month. Ive read up online and i dont think there is anything illegal / improper about this