Q: I have a credit card. Can I leave the UAE without paying the due amount, and without informing the bank? A: The bank may freeze the EoS Benefits. It depends upon each bank's policy decisions. The bank may not file any criminal case against you and hence you may not be stopped at the airport…

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The possibility to leave the UAE while a a credit card loan is not paid

Hi,

I am living in the UAE. I am an Indian national. I have a credit card. I do not have any loan and I also do not have any EMI to pay but I have 25000 AED due to pay for my credit card.

Now I got a job in Saudi Arabia and I am unable to pay all money at once. I never miss any monthly mini. payment.

When my company transfers my final salary and end-of-service benefits to my bank, will the bank freeze my bank account and file a case that I have pending 25000 AED, and will the police stop me at the airport?

Also, can I leave the UAE without paying the due amount, and without informing the bank?

Will it create any issue at the airport while leaving to India on the final exit?

Rajasree Ravivarma

Hussain Lootah & Associates

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8 Oct 2019, 05:05

Dear questioner,

Thanks for writing to me!

Please note that the bank may freeze the EoS Benefits. However, it depends upon each bank's policy decisions.

Since you have not missed any payments, the bank may not file any criminal case against you and hence you may not be stopped at the airport.

Further, I would recommend you to approach the bank to negotiate the debt and make an arrangement that the same will be paid and settled from outside.

Regards,

Rajasree Ravivarma

8 Oct 2019, 05:42

If the bank has filed a case against me, then can I apply for the cancelation of my UAE Visa? Or my Visa will not be canceled?

8 Oct 2019, 05:46

Your visa will not be canceled until you settle the case.

8 Oct 2019, 05:53

If my visa is canceled, this means that the bank didn't filed any case and I can leave the UAE peacefully, right?

8 Oct 2019, 05:54

Yes.

8 Oct 2019, 05:55

Thank you so much!

8 Oct 2019, 05:56

My pleasure!

8 Oct 2019, 07:31

One more question, when my UAE visa is canceled then the bank will get to know that this person is leaving the UAE as his visa is canceled and the bank will file a case and will pose a travel ban on me?

8 Oct 2019, 07:34

No.

8 Oct 2019, 07:40

Respected Mam,

My friend is telling me that everything is now connected with the Emirates ID and once it is canceled, all connected banks will get a notification, and the bank will cross check-in their system regarding that person's dues, fines, and loans.

If they found it, they will take immediate action in order to stop that person from leaving the UAE, is this true?

Is there any reality in this fact?

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