You will not be able to continue using any of the credit cards or other accounts enrolled into a Debt Settlement program. When you are negotiating to have creditors forgive half or more of the balances owed, they simply will not extend more credit unless you bring the account current again and get back on a plan to pay off the full balance. However, at New Era we know it’s difficult to make do without at least one credit card for identification and/or emergency purposes. To that end, it is permissible for clients to maintain one card (preferably one with a small balance) outside of the debt negotiation program. This is another great benefit of the Debt Settlement approach versus other debt resolution methods, which take an all-or-nothing approach to handling your debt.