By signing up with Shield Credit, you are taking a positive step in your life to get out of debt. Making charges to your credit card accounts, while you are on the program, only creates more obstacles to be overcome as you are working to achieve your goal of becoming debt free. Depending upon their policies, your creditors may close your credit card accounts. Whether they do or not, Shield Credit recommends that you don't use your credit cards. Every effort is made beforehand in preparing your budget to make sure your payment plans are realistic and offer you some financial breathing space. Following the completion of your Plan, some creditors will reestablish your credit based on your current ability to pay and your payment history while still in the plan. It depends on the creditor and their policies.