Hi all,

I'm in the US on a H1 visa, and am planning to return to my home country.

The problem is that I have substantial credit card debt which I fully intend to pay, just that I cannot pay it off in full before I leave. I anticipate returning to the US often.

The question: how can I make arrangements for this? After I leave the country, is it possible for me to keep my credit card and bank account active, or do I have to "forfeit"/default on them automatically if I no longer live in the country?

If it is legal to keep my credit card and account after leaving the country, should I just leave and continue to pay off the card? Or should I check with my bank to make arrangements of some kind?

My biggest concern is that if I approach the bank they may get nervous and demand payment in full, and/or make it difficult for me to leave the country.

Any and all help appreciated. Thanks!