If it has no balance the card would not need listed on the proposal but you would not be able to use it. It can be cancelled or if you do not use it the credit card company will eventually cancel it anyway.
Surely it is a contingency debt up to the credit limit and as such, if over £500, falls foul of the IVA terms in any case. Even if you do avail yourself of the credit you have a line of credit available.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I see your point Foggy but for the poster to continue to use it the credit card company would need to be informed and permission sought. Personally I would not treat it as contingent because any debt would be post IVA and therefore not captured by the IVA.
If the credit card company and your IP agree this is fine but it would need to be cleared each month. We have had mechanics for example keep the likes of a QuikFit card so they can buy materials if needed. Speak to your IP.
