If you fail to use credit cards wisely, you may find yourself in the position of filing bankruptcy due to an inability to pay your debts. Skyrocketing interest rates, late fees, and over the limit fees charged by credit card companies only contribute to the excessive amounts of debt caused by credit card misuse. Credit card holders who carry a balance each month, rather than paying off their balance in full each month, are at risk of accruing large amounts of credit card debt, especially when balances are subject to high interest rates. Fortunately, credit card debt, which is unsecured, non-priority debt, can be discharged in bankruptcy. As credit card debt follows any secured and priority debt owed by a debtor, there is little chance that the proceeds of any non-exempt property will be paid toward the credit card debt.