you will not be able to apply any new credit facilities while enrolling in the DMP.
your current credit facilities (credit card) will be cancelled.

but it is good though because by this way we can prevent ourselves from accumulating more debts.
try to settle slowly..once you are in the good financial situation in future, u still can apply for any new credit facilities after
you finish your programme with AKPK.

by the way, you are not required to enroll in the programme for a long time if you can have enough money to make full settlement while
you are in the programme.

let say you enroll in the programme for 10 years (which is the max tenure).
within 2 years you had sufficient money and plan to make full settlement.
what you need to do is go to the particular bank (your creditors) and make the full settlement.
get a release letter from the bank as a proof you make the full settlement and then forward the letter to AKPK.
your programme will be stop and then after your name cleared, you still able to apply a new credit facilities.
but make sure after graduate from the programme you manage your financial properly.
learn from your previous mistake.