When you file for bankruptcy you have to list all debts that are owed. If you have a credit card that has no balance then they do not have to be notified of your bankruptcy or be reported. Although a 0 balance account may not be listed in your bankruptcy they generally will find out about your bankruptcy through puling your credit report. Credit card companies routinely review credit reports to determine if they want to keep you as a customer. Most credit card companies may close your account after they note that you have filed for bankruptcy.