Hello waqqaskhan and welcome to the UAE work forums
When a UAE visa is cancelled
, one of the first things a sponsor usually does is to notify your bank in Dubai
(possibly only the primary bank if you have accounts at multiple banks). The sponsor usually requires a statement from the bank that all your liabilities have been settled, before they cancel your visa (as your sponsor, they could be held liable for any outstanding debts). If there are loans outstanding, a bank will sometimes freeze your account until they are paid off. With a credit card, you would be expected to settle the outstanding balance. If you don't, then the sponsor might not cancel your visa. If they do anyway, then you are probably good to go for the time being. If you don't pay your regular credit card bills then after a period of time, the bank will attempt to present the security check you would have given them when you signed up for a credit card. If your account is closed or there are insufficient funds, then the cheque will bounce, and the bank will notify the police. The police will notify the UAE immigration authorities
and they will probably detain you the next time you enter or leave the UAE. Then you would probably have the choice of settling the debt there and then, or going to jail until the debt is settled.
With the phone bill, again, the company will normally want to see a clearance certificate from the phone company before they will process your visa cancellation. And the phone company won't issue one until you've cleared any outstanding debts. It might be possible to leave a deposit with them and/or sign your phone ownership over to a friend so that you can get a clearance certificate. If the company doesn't ask for a phone company clearance letter then you should be fine just carrying on with your phone account. If you don't pay your bill, then they might chase you but unless you've left a check with them, it's less likely that you will run into problems with the police or airport immigration. At least initially.