Can I still use my credit cards?

Most of your creditors will close the account when you are approved for the program. They will most likely offer lower interest and payments, but will not want you to add to the debt. This is good for you too, as this will help get you to zero debt quicker and you are never stronger financially than when you do not owe any debt. Once you have completed the program and received your certificate of completion, you may think more about obtaining credit.