It all depends on your Financial Stress, if you are under negative Financial Stress without any recourse out of Financial Stress due to your billings, file Ch 7. Yes, your credit cards will be affected, they are unsecured debt. Ch 7 specifically discharges unsecured debt. The only way you can protect your credit debt from being discharged is to reach a reaffirmation agreement with your credit card companies, otherwise they will both discharge. Otherwise, enjoy unsecured debt free life.
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You have to file on every debt, not just the chosen few. Your credit cards would be part of that.