Can I be denied for a security clearance for credit card debt, even if I am making payments?
Yes, you can be denied a clearance for credit card debt, but it is unlikely in most cases.Clearances are based upon the totality of your file. There are relatively few things that automatically disqualify you from getting a clearance. However, being perceived as at risk of bribery due to excessive debt is a biggie.If your credit card debt is reasonable and you can demonstrate that you are current and making suitable payments, you’re almost certainly clearable (assuming the rest of the file is acceptable). The issue comes if you are carrying more debt than your finances can support, or if you are demonstrably behind on your payments (ie currently 60 days or more delinquent on one or more debts…a current 30 day late on your report can usually be explained away as an honest mistake…60 days, though, and you aren’t going to get away with that)This is because financial stress makes you more recruitable by a foreign agent in exchange for money. As you are a higher risk of problem, you are therefore less likely to get the clearance.It’s not an automatic disqualifier, but you will be asked, in excruciating detail, about every ding on your credit report, and they will investigate and adjudicate your explanation. If you have a legitimate reason for having gone into the debt, and can demonstrate that you are on track to paying it off in an appropriate timeframe, you’re probably okay. If, however, the debt reinforces an opinion that you may not be fully trustworthy, you could be denied the clearance.Everyone’s file is different, but those are the general guidelines given by the folks who do clearances (in the US at least)
Am I allowed to travel to other GCC countries if I have a UAE bank loan ban?
If you just have a loan , you can travel where ever you want .If you have failed to pay back the loan - Normally you can travel across GCC countries except UAE .if the bank has registered compliant against you in police of failed loan payments ,most of the time your application for new visa will be rejected from your home country to enter UAE , and if you are in UAE , you can not leave country ,until and unless you settle the loan amount ,And if you get a connection flight via any airport in UAE , you might be caught by UAE authorities . I hope you are aware about how strong the identification system in UAE airports .GCC countries have inter connected criminal identification system related to national security and crimes like murder , but not for civil cases .
Can banks in Dubai go after you in your home country for unpaid debts in the UAE?
A loan is actually a private contract between you and the bank. The bank does not have power and is not connected to the government as people usually think. The bank cannot ban you from travelling or chase you around. They can only legally file a civil case against you in the UAE and usually the judge is very considerate with your circumstances.Banks and lawyers love to spread scary propaganda about what happens if you don't pay your loans, because that's the only thing they can do.Every loan you take is insured by the bank, and if you don't pay it, the bank will eventually get the cash back from their insurance company. They will try filing cases, but if you leave the country it's a dead end for them.What happens in countries like Bangladesh/India/Pakistan , where there is a high level of corruption and gangs, the insurance company buys your loan and then employs gangsters in your country to harass you, but that is not legal and you are not legally obliged to pay them, but you'll have to employ dirty tactics too to avoid them, or live off the radar for a while until they give up.Also, if your loan is a huge amount, like 1 million dollars for example, in the UAE you will first be initiated with a criminal case (cheque fraud), but as long as you are present and plead innocent they will close that, and then you can avoid the debt after that because after the criminal case it's just a civil case. If you're not present for the criminal case it can go to Interpol (if it's a big amount like that).
Which airline is better Emirates Airlines or Etihad Airways?
Etihad.Well both are having its pros and cons, but from my personal experience, I am more in favour of Etihad than Emirates.Firstly because of its Seating structure in economy class.Etihad is having seating arrangement of 2–4–2 in majority of its long distance flights in comparison to 3–4–3 of Emirates. Now this 2–4–2 structure provides very flexibility in terms of movement within flight.For example, in case you are sitting at the window seat, then you will need to bother your co-traveller (sitting at Aisle seat) only. Whereas in Emirates, you will be disturbing 2 of your neighbours (both of Aisle and Middle seat) at the same time.Secondly because of the Entertainment media available.In Etihad,you will mostly find the most updated entertainment source in comparison to Emirates. Also Etihad provides the wide range of entrainment options ranging from movies(European, Arabic,Indian and many more), music albums, games, radio, and also you can text/call to any of your friends sitting at different part of the plane.Thirdly because of its frequent flier programme benefitsEtihad provide the numerous number of benefits to its frequent flier members.I am listing downs few of the benefits which flier can avail during his travel:Excess check-in baggage allowance-upto 15 kgs(depending on your tier status)Airport lounge access without any cost.Priority boarding (for gold and platinum members only)Can book the tickets with the accumulated miles(in Etihad or any of its partner airlines).In addition to above features, Etihad provides various gift vouchers in exchange of the guest miles, which is not the case with Emirates.Also in Etihad you can shop anything from its reward shop(personally I don't prefer it).Fourthly because of its upgrade from economy to business class chances.Etihad provides free upgrade to its economy class passengers(if seats are available offcourse)I got the same during one of my journey from Abu Dhabi to Delhi :-)The Only downside of Etihad is their customer support programme, which still needs very much improvement.So, overall I will go in the favour of Etihad, but just because of the last point, you may consider the Emirates to be better one.
Have you ever been bonded on a job application?
If you are in the USA I believe bonded means something different than in other countries. In the US, job applicants where they are responsible for handling large sums of money are frequently bonded. This means an insurance policy is taken out on them (after an investigation) for the amount of the bond, usually into the millions of dollars. Employees of financial institutions, stock exchanges, money moving companies, law firms and so on are frequently bonded when hired. Prior to making an offer the investigation usually takes place. In some other countries, bonded means a hiring bonus is given at the time the employment contracted is signed to guarantee than the employee will not just stick around for the training and then bail out. If they leave before the time specified (commonly 12-24 months) they may be responsible for paying back the bond either in full or prorated. And companies will pursue this if you think you can just jump ship. I have been bonded in the US when I worked for a financial firm. And I have taken a signing bonus and stuck it out even though the work environment kinda sucked because I did not want to be responsible for paying back the bonus. This company had an intensive training program that was actually worth much more than the signing bonus but they worked us like plough oxen. I was glad when my time was up and had already lined up interviews. I heard from several interviewers that this was not unusual for applicants coming from that company. Hope that answers your question.