Q: I have missed my credit card payment by 15 days and I have confirmed back I will make the payment by 29th of this month. Meanwhile, I am planning to travel to India the coming month but I want to know if there will be any travel ban for me to go out of the UAE on my vacation due to the delay in payment.

Q: Salam Mr Khalifa, Quick question if possible. If someone has a credit card and he wants to stop it and discuss the settlement of the pending amount with the bank, will there be a travel ban during that period?

Q: Good morning. I have defaulted on my credit cards payments in Dubai, and I'm planning to travel soon. How can you assist me to check whether I have a travel ban or not? I did not receive any notification, but the banks threatened to put a travel ban on me if I don't pay. Is it safe to travel in such conditions?

Q: I have four credit cards; ADCB-2, HSBC-1 and FGB-1 and loan. ADCB credit card and loan I'm paying without any delay, but HSBC & FGB I paid last month after collection dept calls. My question is, next month I'm going on vacation. So will someone stop me at the airport immigration? Again, I want to say that. The beginning of this month, I applied for a top-up loan to close all my credit card outstanding. Today I received a call from ADCB that my application is declined. They are asking for a report from Etihad Credit Bureau. Does it mean they will file a case against me? Please, I need your advice.

Q: I have been to Dubai for 9 years and left with 2 credit cards unpaid in 2012. In 2014 and 2015, a collection agency traced me to pay my credit card and the year after another person from the same company traced me again for my second card. Both cards were paid with negotiations with the bank to a minimum paid. Now one of my friends is saying there is a case on me from a bank. I have paid everything and I even have all my transactions online. How can I know if I really have a case or my friend is bluffing me? If you will need more details about it to trace if there's any case against me, what will be the fees as well?

Q: Hi Mam, Due to my salary issue at the company, I haven't paid my dues to the bank. I have already paid the late charge and another fee which I have taken other than the loan amount. Can they make a case against me?

Q: If I have a pending credit card payments and was terminated from the job, what will be the situation if I want to travel to home?

The provisions of this law, promulgating UAE Civil Code, govern the civil transactions in the United Arab Emirates. The commercial transactions remain subject to the laws and regulations applicable in their regard.