رفع قضية مدنية بعد القضية الجنائية بسبب التخلف عن سداد بطاقة الائتمان

Dear Questioner,

Please note that in case of credit card default, the banks may file criminal and civil cases against the defaulter.

There is no hierarchy at this point. The bank may file both criminal and civil cases together, separately, or file one of these as a step to recover the debt.

There is no pecuniary limitation to file the criminal or civil case. The bank's right to calculate the interest on the debt is something you might have agreed upon while signing the application form for availing credit card or loan.

However, you may raise this concern once the same reaches the civil court or prosecution.

Regards,

Rajasree Ravivarma