Traditional card companies have an additional defense.  Particularly now that there&#x27;s very few big card issuers (chase, wellsfargo, citi, cap1, barclay, boa, usbank, amex, discover), they have blacklists if you include them in a bankruptcy.  Amex and citi are 10 years I think.  This can make re-establishing credit far more painful.<p>There are obviously alternatives such as debit cards and credit unions, but those will not come with the same benefits as the cards from national issuers.<p>I don&#x27;t think being blacklisted from Prosper or LendingClub for IIB will serve as much of a deterrent.