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Unpaid credit card and effect on immigration

Gurjot123

Newbie
Jul 26, 2017
1
1
Hi. I came to Canada in 2010 at Student Visa. At that time i had credit limit of 1000 dollars. But because of some medical emergency at home i had to leave Canada without paying my credit limit and unfortunately i could not come back. Now i am planning to immigrate to Canada. I want to ask will it effect my prospects in Canadaian immigration and further banking services in Canada even if i will clear my debts
 
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thestunner316

Champion Member
Feb 6, 2016
2,251
301
Job Offer........
Pre-Assessed..
Unlikely to have any effect I guess unless you have some warrant outstanding which probably unlikely for just 1000 dollars. Might affect your credit record so probably worth trying to find out if the debt has been written off or is still open somewhere against your credit record.
i've actually heard somewhere that if 7 years are spent since that incident they write off the debt? any idea thats true ?
 

Bs65

VIP Member
Mar 22, 2016
13,187
2,421
i've actually heard somewhere that if 7 years are spent since that incident they write off the debt? any idea thats true ?
No idea but the OP could help themselves by checking if the debt is still open or even checking whether they have anything negative on their credit record assuming they have one. Doubt it affects immigration chances though unless courts involved which I guess unlikely for the amount.
 
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alok4best

Hero Member
Dec 19, 2014
995
123
125
Frankfurt
Category........
Visa Office......
Vienna
NOC Code......
2172
Job Offer........
Pre-Assessed..
App. Filed.......
8-Dec-2014
Nomination.....
24-Feb-2015
AOR Received.
7-Apr-2015
IELTS Request
Submitted with application
File Transfer...
7-Apr-2015
Med's Request
17-Jun-2015
Med's Done....
23-Jun-2015
Interview........
Waived
Passport Req..
13-Jul-2015
VISA ISSUED...
03-Aug-2015
LANDED..........
27-Nov-2015
Defaulting with credit card payment is a civil offence, not a criminal once. It won't impact your immigration application. However, if it's still on your credit report, then you would have difficulty getting a credit card or a loan from a bank or any other lender. However, you will not have any issues opening a simple chequing account for day to day banking.
And yes, adverse records are dropped from your credit report after 7 years of default/last activity. Why don't you buy a credit report from Equifax and be certain for yourself
 
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Rahul Ram

Full Member
Nov 28, 2018
40
2
Hello,

Last year I lost my job and I couldn't pay my auto insurance and it got canceled due to non payment. I recently applied my citizenship in September. My auto insurance went to collection agency and returned back to the insurance provider as I couldn't pay my bill.
I am worried if this is going to have any impact on my citizenship application now or in ant future. I will make an arrangement for payment by calling them. But I am worried if my long delinquency in payment is going to put me in a fraud or some charges against me in future which will affect my citizenship. Thanks.