澳洲信用卡買野未俾哂錢就番香港

1. Yes. Your personal finance has nothing to do with Australian Government (unless the debt is a government debt).

2. In theory, none. Your creditor may not even know you are in Australia.

3. Yes. However, please understand the damage has been made. Paying the money won't resolve all issues (like poor record in credit history).

好可能俾人拉! 快D通知BANK!找番條數! 不過要俾行政費!!

你即係碌卡跑數，咁銀行有可能會報警。