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

Under what circumstances cannot you go abroad

1. The "Passport Law of the People's Republic of China" stipulates that if the applicant has any of the following circumstances, the passport-issuing authority will not issue a passport. :

(1) Those who do not have the nationality of the People’s Republic of China;

(2) Those who cannot prove their identity;

(3) When applying Committing fraud in the process;

(4) Being sentenced and serving a sentence;

(5) Notified by the people's court that there are unsettled civil cases and not leaving the country;

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

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

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

(1) ) Failure to hold valid exit and entry documents or refusing or evading border inspection; (2) Being sentenced to a sentence that has not yet been completed or being a defendant or criminal suspect in a criminal case;

(3) There are unsettled civil cases and the People’s Court decides not to leave the country;

(4) Subject to criminal penalties for obstructing national (border) border management or for illegal leaving the country, illegal residence, or illegal employment Being repatriated from other countries or regions and not being allowed to leave the country before the specified period of time;

(5) It may endanger national security and interests, and the relevant competent authorities decide not to leave the country;

( 6) Other situations in which departure from the country is prohibited by laws and administrative regulations.

What are the consequences of an overdue credit card?

If the bank credit card debt is not repaid, interest will accrue. If the amount is relatively small, bad records will be generated; if the amount is large, in addition to personal bad records, malicious debts will be formed after three periods, and the bank will report the case to the public security organs. Moreover, due to your personal bad record, your financial business such as housing loans and car loans will be affected.

According to the provisions of the Civil Code and the Civil Code, banks and cardholders are equal civil subjects. An individual establishes a contractual relationship with the bank by applying for a credit card from the bank. If the cardholder fails to repay the overdraft overdue, he shall bear the liability for breach of contract. Therefore, after overdraft consumption, cardholders should repay the money as soon as possible after the bank collects it. Otherwise, late payment fees, penalty interest and other additional expenses will be incurred due to delayed repayment. Secondly, you may be held criminally liable if your credit card overdraft is overdue. Article 667 of my country's Criminal Law and relevant judicial interpretations stipulate that if a credit card holder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and fails to return it after being called by the card-issuing bank, it is a malicious overdraft. If the amount exceeds 5,000 yuan, it constitutes the crime of credit card fraud.

Legal basis:

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. For the crime of credit card fraud, one of the following circumstances applies: credit card fraud activities, the amount If the amount is huge or there are other serious circumstances, the sentence shall be fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years of fixed-term imprisonment and a fine of not less than 50,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years of fixed-term imprisonment or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to be Using other people’s credit cards;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.