Unless you used a FAKE Credit Card, here's the law for regular unpaid cards:
Section 9.Prohibited Acts:
(j) Obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter;
nangutang na ang layunin ay umalis na lang pag-katapos at hinde na mag-babayadSection 14. Presumption and Prima Facie Evidence of Intent to Defraud
a. Debt - more than Ten thousand pesos (P10,000.00);
b. Status - past due for at least ninety (90) days ;
c. Action - abandons or surreptitiously leaves the place of employment, business or residence
TRANSLATION:
Nag-layas o umalis sa lugar ng trabaho, negosyo o tinitirahan, ng palihim o patago.