Q: I have a credit card with limit 10000. I was having problems with my job and was not able to pay my credit card. How to resolve the issue? A: The bank may file a criminal and civil case. The criminal case is for issuing a cheque in bad faith. The bank has all the right to file a civil case…

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Consequences of credit card debts in the UAE

I am working in Dubai and I have a credit card with limit 10000 (which is fully used) and a personal loan of AED 37000 balance with a bank.

The last 9 months, I was having problems with my job and was not able to pay my credit card minimum amount, but I have not defaulted on my loan amount.

Yesterday, I got a call from a legal agent claiming to file a case for the credit card. I am not in a situation to pay both the dues together but I can pay my credit card dues once I settle my personal loan which is 3700 x 10 more months.

How to resolve the issue?

If they file a case against me, will I be imprisoned for the said amount of AED 10,000?