The general rule is once you actually decide to file a Bankruptcy (not just thinking about doing so), you are supposed to stop using your credit cards. This is because debt that is incurred with no intention of paying it back is considered to be non-dischargable. Bankruptcy Stat. 523(a)(2)(A).
The other type of debt that is presumed to be "fraudulently" obtained - and therefore non-dischargable - is debt of over $600 to one creditor made within the 90 days before filing and used for "luxury goods and services". Bankruptcy Stat. (a)(2)(C).
Since mortgage payments are not considered to be "luxury goods and services", if you are using the credit card with the intention of paying them back, and whether or not you actually will be able to pay them back, you should not get into trouble for using them.
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