Filed a week ago. My 341 meeting and first plan payment are at the end of the month.
I’m trying to keep a little money in my account so I can open a secured card. I need it for work expenses because my employer doesn’t issue corporate cards — we pay out of pocket and get reimbursed on payday.
Last week I tried to buy lunch for my team (~$400) and my debit card got flagged because I was using my work phone instead of my personal one. I had to go to the bank in person to clear it, and the whole thing was awkward in front of my staff. It made me realize how bad it could be if a charge gets declined once the trustee starts taking my disposable income.
I want to use a prepaid/secured card as my primary work‑expense card and keep my debit as backup. Is this something a trustee would see as a legitimate need for my job? I sometimes have $1–2k in travel or team expenses before reimbursement, and I’m hoping they won’t count that money as available for creditors.
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