Can a bank recover unpaid credit card dues after 6 years in the UAE?

Dear Questioner,

According to the UAE Civil Code, the statute of limitations for filing a claim for recovery of debt is 15 years.

So, the bank has the right to file a civil case against you.

Dear Questioner,

Yes, the bank still has the right to claim the recovery of credit card debt even after 6 years have elapsed, as these debts are governed by the general rules of the statute of limitations.

In accordance with Article 403 of Commercial Law No. 50 of 2022, according to general rules, the period of the statute of limitations is 15 years.

Dear Questioner,

The bank has the right to claim for recovery of the unpaid credit card dues. If the debt has been unpaid for more than 6 years, the bank can still legally claim for its recovery.

It is important to note that the bank may also charge interest and penalties for the unpaid amount, as per the terms and conditions of the credit card agreement. What is the claim value?

You can reach us via phone for more information.

Dear questioner,

Yes, there are possibilities that even after 6 years, the bank can claim the amount. It would be better to check with the bank whether any legal action has been taken.

If you want us to check any cases related to this issue, please share your WhatsApp number.

In general, all civil claims are subject to a statute of limitations after a period of fifteen years from the moment of their existence, unless a specific legal provision states otherwise.

Please do not hesitate to contact us via phone or email.

Ahmed Harb - MM