Running up your credit cards before filing for bankruptcy can be problematic. Here’s why:

1. Potential Fraud: If you make large purchases or take cash advances on your credit cards shortly before filing for bankruptcy, the court or creditors may view this as fraudulent behavior. They could argue that you never intended to repay these debts, which might lead to the debts being declared non-dischargeable (meaning they won’t be wiped out in bankruptcy).
2. Closer Scrutiny: Creditors often scrutinize transactions made within 90 days before filing for bankruptcy. If they see unusual or large charges during this period, they might challenge the discharge of those debts.
3. Repercussions: If the court finds that you committed fraud by intentionally running up your credit cards before filing, you could face serious consequences, including the dismissal of your bankruptcy case or being barred from discharging the debts.

If you’re considering filing for bankruptcy, it’s essential to avoid any actions that could be perceived as trying to game the system. Consulting with a bankruptcy attorney can help you navigate the process and avoid potential pitfalls.