bankruptcy and using old credit card

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Hi,
I was declared bankrupt, well, accounts frozen then I can use my debit card for salary, etc. I had two credit cards from Lloyds and Nationwide with nill balance, still showing when login to their online site. I called Lloyds this morning if I could use my credit card again and the lady said it's been referred and the bankruptcy department is closed now because of COVID.
So, my question is if the Official Receiver has no interest in assets, cards, etc. can I still use my credit card? Or it will close automatically and what it means to be referred? Thank you
Regards,
I was declared bankrupt, well, accounts frozen then I can use my debit card for salary, etc. I had two credit cards from Lloyds and Nationwide with nill balance, still showing when login to their online site. I called Lloyds this morning if I could use my credit card again and the lady said it's been referred and the bankruptcy department is closed now because of COVID.
So, my question is if the Official Receiver has no interest in assets, cards, etc. can I still use my credit card? Or it will close automatically and what it means to be referred? Thank you
Regards,
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Then I imagine with all that's been happening in the world recently - it's just a case of timing, and in due course the accounts will close. Certainly don't try spending anything on the cards, especially as it's against the law to take more than £500 in credit during bankruptcy if you've not informed the lender yourself first. (I think this is put into place to stop bankrupts going out and getting more credit before the OR has the ability to get everything tidied up, recorded and closed down). It is possible if the bank permits it, that you can continue to use your current account and debit card - but there is a possibility that might go as well. Have you opened a basic bank account just in case this happens?
Otherwise it might be a good idea to see if you can open a savings account and put aside a little bit to create an emergency fund to cover things like being off work. Standing Order shortly after you get paid.
Even a tenner would be a good idea but more is better.
It'd also allow you to budget for bigger purchases.