Unpaid Credit Card for 7 Years

Unpaid credit card debt is of course a serious matter. You should have (and probably could still try now) contacted the bank and ask for a mutually agreeable solution, instead of just disappearing!

The issue will certainly still haunt you if you come back to Singapore (and find that the debt, incl. interest and penalties, is now many thousand dollars!).

Whether it will affect your chances of coming back depends on what the bank did: If they sued you in court (and you lost in absentia), you might never again have a chance (or go to jail if you travel here). For this relativelly small amount, I doubt they did - but only the bank can tell you for sure.

@Matthew1720 hi, did you get the chance to go back?

@beppi this is not true at all.

For starters it is an unsecured debt.

Statute of limitations is 6 years. After that they can no longer recoup the cost it if there is no contact for 6 years.

@FarangCode What you wrote is true for the pure debt.

But as far as I know (without being a legal expert), the bank has possibilities to extend this period, e.g. by starting legal action (whic they will certainly do).

But I was talking above about the implications on visa matters: A black mark in MoM's (or ICA's) system potentially stays forever - and breaking the law undoubtedly creates such a black mark!