Risk of being sued

If you have been sued for credit card arrears before returning to China, even if you can't be present, the court will rule you out in absentia. Of course, the court can't contact you, let alone force you to repay the debt, but the creditor may trace your local network and action track and keep evidence for subsequent investigation of your responsibility. For example, if you continue to work for a company in your previous country after returning to China, your salary may be deducted, because your employer will be bound by the laws of his country, and of course it depends on the court's decision.

If you haven't been prosecuted before returning to China, things will be a bit tricky. Because creditors need to file a lawsuit in the courts of China and abide by domestic rules and procedures. This means that they will have to hire a lawyer in China or entrust a third-party collection company to handle your debt, and the entrusting party will have any rights that creditors usually have. Of course, it also depends on whether the two countries have legal cooperation. If so, even if you go back to China, the creditors can still sue you locally, and China will also respond.

Reasons for repayment

Since the probability of credit card issuers recovering losses is so small, why should they pay back the money?

First of all, it is correct to do so;

Secondly, you may use your previous credit card after returning to China;

Also, avoiding does not mean that it will not be collected. Third-party collection companies will still find you, ask you to pay back the money, and even sue you through legal channels. At that time, the loss outweighs the gain.

Finally, there is one more thing you should consider. Aren't you going back? You never know, if your credit information is affected by the arrears, you may be in a bad situation when you go back.

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