Credit Card Debt affect on Naturaliztion Application

[sulaiman86]

Dear Gurus ,
I have applied for an interest free credit card and have used the credit limit of £13000 for my business . Since its interest free i am only making minimum payments regularly and intend to clear off the balance before the interest free period ends in 03/2021. I have applied for my naturalization on 15/10/2020 and have given my bio metrics yesterday but have failed to disclose I have a credit card debt which I intend to pay my 03/2021.

Is it a mandatory requirement to disclose credit card debt of which minimum payments are paid regularly ?? I do not want my application to be refused and I get banned .

I look forward for your valuable advise on the above matter .

[CULLINAN]

This is not a debt that needs to be disclosed. This credit is purely based on your business decisions and needs. The agreement is between you and the lender.

The problem only arrises if your account goes in default and then the lender takes you to court and eventually a CCJ is filed against you. You will have to declare a CCJ in the online form.