So do credit cards with zero balance have to be listed? No- cards with zero balance are not a debt, and thus should not to be listed on a bankruptcy petition. That being said most creditors monitor your credit report and instantly close accounts when you file a bankruptcy. Clients often ask about paying off the $200 balance on a Belk card before filing. You can certainly do that, but the card is likely to be cancelled and closed anyway.
What about family and friends you want to keep paying? Well you are free to pay whoever you wish after filing even if the debt is discharged. You legal obligation is discharged, but you may still feel a moral obligation and continue to make payments after filing. Just be careful about paying family and friends before filing, as paying them and not Visa is considered a preference and may result in the Trustee seeking to recoup monies you paid family and friends before filing. The last thing you want is Mom being sued by the Trustee because you filed bankruptcy. Make sure you disclose all such payments to your attorney upfront as time look-back limitations do work in your favor. Waiting a week or a month to file may make all the difference in the world.