Can I still use my credit cards while on a debt management plan?

Yes, it is generally possible to still use your credit cards while enrolled in a debt management plan (DMP). However, there are a few important factors to consider. While on a DMP, it is recommended to refrain from using your credit cards to avoid accumulating further debt. Most DMPs require you to close your credit card accounts as a condition of enrollment. This is done to prevent you from increasing your debt load and to promote financial discipline. If you are able to keep a credit card open, it should only be used for emergency expenses and not for regular or discretionary purchases. It is crucial to discuss your specific situation and credit card usage with your debt management counselor to ensure that you maintain financial stability while on your debt management plan.