It depends on the extent of the loss of credit, if there are prosecuted with lawsuits, this will be restricted from leaving the country, even passports can not be done, restrictions on high speed rail and airplanes, not to mention for visas to go abroad. If only the credit card is overdue, did not receive a reminder and flyers, is okay.

1, if the credit is only a long time overdue records, and has not been prosecuted, is classified as a breach of trust executor, then, under normal circumstances, or can go abroad, but the late stage is not able to apply for all kinds of bank loans

2, if prosecuted, by the judiciary prohibited from leaving the country, naturally, can not leave the country; was prosecuted, and is not prohibited by the judiciary to leave the country, you can leave the country, if you go abroad If you are a long time to stay abroad and do not return, it is recommended to pay off the arrears and then leave the country, so as not to affect the personal credit and pay unnecessarily high interest.

How to deal with overdue loans

1. Short-term overdue, not all overdue, personal credit report will immediately show, some are in the next month before the overdue records will be reported to the central bank credit center. So, the first time the issue is overdue, after making up for the arrears, you should hurry to contact the bank that owes you money, and try to solve the problem before reporting the credit report.

2. If the overdue time is more than 90 days, pay off the outstanding amount and repay the penalty interest. In addition, do not immediately cancel the card, the urgent need to maintain good credit habits, 5 years after the bad record will be automatically eliminated (except for mortgage, because most loans only reference 2 years of credit history).

3. Non-malicious delinquency, some non-malicious delinquency, especially not caused by personal subjective reasons. After paying off the debt, actively contact the bank staff to explain the reasons for the overdue, the overdue amount is small or the overdue time is very short, the bank will issue a "non-malicious overdue" certificate.

4. There is a type of loan called a "loan," which is a loan that was taken out by someone else in the name of the bank, which was maliciously overdue and led to the victim's bad credit. To solve this type of bad credit, the person only need to the local People's Bank of China credit center to submit an objection to the application, usually 15 working days to get a reply.

5. Bank negligence, some of the late is caused by bank negligence, such as: credit card annual fee adjustment but did not inform the cardholder, a certain point in time due to system upgrades can not be deducted resulting in late. If it is the fault of the bank, you can directly appeal to the bank to eliminate the bad record.

6. Small arrears have not been paid, most people may pay the money according to the whole number, but be careful, the amount of money that should be repaid may also have a zero, if these zeroes have not been paid, it will also cause the late. Most banks have a tolerance, which means that if the unpaid portion is less than 10 dollars (different banks have different rules), the bank will not count it as overdue. If you have a bad credit record, you can negotiate with the bank to have it removed. Now in addition to the credit system of the People's Bank of China, the China Internet Finance Association, together with eight credit enterprises, plus the big data credit, composed of "credit union". If you don't pay attention to the bad record in the future, there will be nothing to hide, so be sure to maintain your credit, try to avoid overdue, causing inconvenience to yourself.

Legal basis

The Chinese People's **** and State Administration of Exit and Entry Law

Article 12 Chinese citizens are not allowed to leave the country under any of the following circumstances:

(a) not holding a valid exit and entry document or refusing or evading to accept the border inspection;

(b) sentenced to a prison term that has not yet been carried out or belonging to the (c) If there is a pending civil case and the people's court decides that he/she is not allowed to leave the country;

(d) If he/she has been criminally punished for disrupting the management of the national border or has been repatriated by another country or region for illegal departure, illegal residence or illegal employment, and has not yet completed the period of time stipulated for not being allowed to leave the country;

(e) If the relevant competent department of the State Council decides to prohibit the departure of a foreigner who may jeopardize the national security or interests of the country;

(f) If the relevant competent department of the State Council decides to prohibit the departure of a foreigner who may endanger national security or interests; or (v) may jeopardize national security and interests, the competent authorities of the State Council decided not to leave the country;

(vi) other circumstances stipulated by laws and administrative regulations not allowed to leave the country.