178+ Lawyers are online 
NON PAYMENT OF CREDIT CARD BILLS IN DUE TIME
11-Dec-2025 (In Banking / Finance Law)
I have 4 Bank credit cards. Iam a senior citizen of 74 years self employed. Main income through Agriculture. For the past few years my income is eroded and have huge financial issues. Iam unable to oay the minimum amount or Total outstanding amounts. Total credit card limit for all the four cards stand to Rs 12 Lalhs. I have asked time to pay the dues . Three banks have given me time of 15 days. Iam trying to mobilize funds from outside sources. No bank have taken any legal action or send me notices. At this juncture I need a legal guidance how iam to proceed further.
Credit card dues are unsecured loans.
Banks cannot arrest you for non-payment.
Since no legal notice or case is filed yet, act immediately.
Write to all banks requesting restructuring / EMI / settlement, citing age (74 years), agricultural income, and financial hardship.
Do not ignore calls or emails; communicate only in writing.
Banks may later issue a legal notice or file a civil recovery case, not a criminal case.
If recovery agents harass you, you can complain to the bank, RBI Ombudsman, or police.
Try one-time settlement (OTS) if full payment is not possible.
Protect essential assets; agricultural land generally cannot be attached for unsecured credit card dues.
Immediate step: Send a written hardship/settlement request to all four banks.
Thank you
Helpful?
Adv. Nataraja KS
Shimoga | 200+ Answers
CONTACT NOW
Disclaimer: The above query and its response is NOT a legal opinion in any way whatsoever as this is based on the information shared by the person posting the query at lawrato.com and has been responded by one of the Divorce Lawyers at lawrato.com to address the specific facts and details.
Connect with top Banking / Finance lawyers for your specific legal issue
No Comments! Be the first one to comment.
"lawrato.com has handpicked some of the best Legal Experts in the country to help you get practical Legal Advice & help."
