Hello. I have recently emigrated to Germ...

Asked by Anonymous on 25-08-2022 11:01:59
Question posted in the National Credit Act Law category relating to Western Cape

Hello. I have recently emigrated to Germany. I still have a credit card debt in South Africa, specifically with Absa. I am a German citizen and have no intention of returning to South Africa. My wife is a South African citizen, who emigrated with me, and we are married in community of property. I am the sole account holder of the credit card account.

Assuming I decide to ignore the SA credit card debt, what would the consequences be? I understand my SA credit rating would be negatively affected, but this is not a concern to me as I do not intend to return to SA. I believe bad credit card debt in SA is written off after three years. Would there be any negative effect on my wife's credit rating? Is it legally possible for Absa to attempt to collect this debt from my wife?

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