Offloaded on credit card debt Philippines (2024)

Question: I Have a Credit Card Debt and I Will Be Travelling Abroad for Company-Paid Leisure. Can Immigration Offload Me?

Answer:

In the Philippines, having a credit card debt alone is generally not a ground for the Bureau of Immigration to offload you when you are about to travel abroad. Credit card debt is essentially a civil obligation between you and the issuing bank. It does not usually result in any criminal record unless there's an accompanying criminal case against you, like estafa.

1. Civil vs. Criminal Cases:

   • Credit card debt is a civil liability, and civil cases are not typically cause for being prevented from leaving the country. However, if the credit card company files a criminal case against you for fraud or estafa, and a hold-departure order is issued, then you may be prevented from leaving the Philippines.

2. Hold Departure Orders:

   • If a court has issued a hold-departure order against you, the Bureau of Immigration can prevent you from departing the country. A hold departure order can only be issued in criminal cases.

3. Immigration Checks:

   • Immigration officers will check your travel documents and might ask questions to determine if you are a possible victim of human trafficking or illegal recruitment. They generally do not have information on your credit history unless it is related to a criminal case.

4. Financial Capability:

   • If asked, you may need to show proof of financial capability to undertake the travel, but this is more common for tourists and not usually for company-sponsored travels.

5. Overseas Employment Certificate (OEC):

   • If you are an OFW (Overseas Filipino Worker), your OEC serves as your exit pass and proof that you are legally allowed to work abroad. Credit card debts are not checked in this process.

6. Consult Legal Counsel:

   • If you are concerned about pending cases or other legal obligations that may affect your ability to travel, it's advisable to consult with a legal expert for personalized guidance.

In summary, if your credit card debt has not led to a criminal case with a hold-departure order against you, you are generally allowed to travel abroad for leisure or work. However, laws and regulations can change, so it's always good to consult legal experts for the most current advice.