Not paying your credit card debt will reflect badly on your credit history.Which means it will be difficult for you to get a personal loan when you need one.
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Moreover, he/she says that the answers provided are solely based from his/her knowledge and may differ from how other banks conduct their business.
Thus, one should NOT consider the information below as an absolute fact that applies to all cases.
It’s important to know that circumstances will be different if you have issued a check or has signed a contract because a bouncing check or a breach of contract can be turned into a criminal case such as .
That’s why some collection agencies will try to make you issue checks or sign a payment agreement because that could give them legal grounds to file a real case against you.
The collection agency will now take over the responsibility of convincing you to pay your credit card debt. The costs (legal and otherwise) that will incur if the bank continues to pursue the delinquent account can be expensive.