After filing for bankruptcy in 1998, TONI BRAXTON is back in the black. But the singer had a recent scare that made her worry that her money troubles had cropped up again. “I had this credit card that I hardly ever used, and I charged some home-furnishing things that were probably $8,000,” says Braxton, 35, who plays the wife of a rap star in VH1’s original movie PLAY’D : A HIP HOP STORY, which premiered on June 26. “The salesperson was like, ‘Sorry, your credit card is not working.’ I wanted to melt. So I said, “You know what, why don’t we try another one?’ I thought, ‘Oh my God, is it going to work?’ It did,” says Braxton, laughing. “But they are going to think I am still broke.”