Can I work abroad if my credit card is overdue?

If the credit card debt is not paid off, you can still go abroad as long as the bank does not sue and the court does not issue an exit restriction order.

Under what circumstances can't you go abroad?

1. The Passport Law of the People's Republic of China stipulates that the passport issuing authority shall not issue a passport in any of the following circumstances:

(a) does not have the nationality of People's Republic of China (PRC);

(two) unable to prove identity;

(3) practicing fraud in the application process;

(4) Being sentenced to a penalty and serving a sentence;

(five) the people's court informed that there are unresolved civil cases that cannot leave the country;

(6) Being a defendant or criminal suspect in a criminal case;

(seven) the relevant competent authorities believe that leaving the country will cause harm to national security or cause great losses to national interests.

2. Article 12 of the Law of People's Republic of China (PRC) on Exit and Entry Administration stipulates that China citizens are not allowed to leave the country under any of the following circumstances:

(1) Failing to hold a valid exit-entry certificate or refusing or evading border inspection;

(two) the punishment has not been completed or belongs to the defendant or criminal suspect in a criminal case;

(three) there are unresolved civil cases, and the people's court decides not to leave the country;

(4) Being subject to criminal punishment for obstructing the administration of the country (border) or being repatriated by other countries or regions for illegal exit, illegal residence or illegal employment, and not allowed to leave the country within the prescribed time limit;

(five) may endanger national security and interests, the relevant competent authorities decided not to leave the country;

(6) Other circumstances under which exit from the country is prohibited by laws and administrative regulations.

What is the impact of overdue credit cards?

If the bank's credit card debt is not repaid, it will generate interest. If the amount is small, it will produce bad records; If the amount is large, in addition to personal bad records, malicious arrears will be formed after more than three periods, and the bank will report the case to the public security organ. And your personal financial business such as mortgage and car loan will also be affected by your bad record.

According to the Civil Code and its regulations, banks and cardholders are equal civil subjects. The individual established a contractual relationship with the bank by applying for a credit card. If the cardholder fails to repay the overdraft within the time limit, he shall be liable for breach of contract. Therefore, after the cardholder overdraws, the bank should repay as soon as possible after collection, otherwise there will be additional expenses such as late payment fees and penalty interest due to delayed repayment. Secondly, overdue credit card overdrafts may also bear criminal responsibility. According to Article 667 of China's Criminal Law and relevant judicial interpretations, if a credit card holder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and refuses to return it after being urged by the issuing bank, it is a malicious overdraft. If the amount is more than 5000 yuan, it constitutes the crime of credit card fraud.

Legal basis:

Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.