I think warm_heart is right. Though as far as I know, if credit cards will not be paid in 3 months consecutively - that's the time bank will report to the police. Im not sure about it though nor the 6 months that warm_heart is telling. One thing for sure, I left Dubai with credit cards unpaid but got my visa cancelled. I worked in Dubai for 5 years by the way. You see, you do not have to pay your credit cards in full just pay the minimum amount every month and you can leave the country and come back freely. that is if you only have credit cards becuase banks are stricter on personal loans.