Some credit card banks believe that
charging on a credit card when the debtor has no capacity to repay the debt is credit card fraud, and should not be discharged.
Other credit card issuers report the limit as highest balance
ever charged on that credit card, which could hurt if your card balance is currently at that highest point.
A credit card will provide more protections than a debit card, particularly because the
funds charged on a credit card aren't tied to your bank account.
Along with that, late payments will negatively impact your credit score, at which time you can expect to see a hike in the interest
rate charged on your credit card.