What happens if i don’t pay credit card and leave country?

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If you find yourself in a situation where you are unable to pay your credit card debt and are considering leaving the country, it is important to understand the potential consequences. Failing to pay your credit card debt can have serious repercussions, both financially and legally. In this article, we will explore what may happen if you don’t pay your credit card debt and decide to leave the country.

Financial Consequences

Accrued Interest and Late Fees: When you don’t pay your credit card debt, interest continues to accrue on the balance. Additionally, late fees may be applied to your account. This can result in a significantly higher debt amount over time.

Damage to Credit Score: Failing to pay your credit card debt can have a negative impact on your credit score. Late payments and delinquencies can stay on your credit report for up to seven years, making it difficult to obtain credit in the future. A lower credit score can also affect your ability to secure loans, mortgages, or even rent an apartment.

Collection Efforts: If you don’t pay your credit card debt, the credit card company may initiate collection efforts. This can include phone calls, letters, and potentially even legal action. Collection agencies may also become involved, further complicating the situation.

Legal Action: In some cases, credit card companies may choose to take legal action to recover the debt. This can result in a judgment against you, which may include wage garnishment or the seizure of assets. If you have left the country, it may be more challenging for the credit card company to pursue legal action, but it is not impossible.

International Implications

Extradition Treaties: Some countries have extradition treaties with the United States and other countries, which means that if legal action is taken against you for unpaid credit card debt, you could potentially be extradited back to the country where the debt originated.

Credit Score Follows You: Leaving the country does not erase your credit history. Your credit score and any negative marks on your credit report will still follow you, regardless of where you go. This can impact your ability to obtain credit or financial services in your new country of residence.

Difficulty Obtaining New Credit: If you don’t pay your credit card debt and leave the country, it can be challenging to obtain new credit in your new location. Financial institutions may be hesitant to extend credit to someone with a history of unpaid debt.


Failing to pay your credit card debt and leaving the country can have significant financial and legal consequences. Accrued interest, late fees, damage to your credit score, collection efforts, and even potential legal action are all possible outcomes. Additionally, leaving the country does not absolve you of your credit history, and it can make it more difficult to obtain credit in your new location. It is important to address your credit card debt responsibly and explore options such as debt settlement or repayment plans to avoid these potential consequences.


– Experian: www.experian.com
– Federal Trade Commission: www.ftc.gov
– Investopedia: www.investopedia.com