If the husband’s credit card debt is not used for the family’s common life, in principle it is not a joint debt of the couple, and the wife does not need to bear the obligation to repay it. If the husband borrows money for the family's common life and business, then it is a joint debt between the husband and wife, and the wife has the responsibility to repay it within the scope of the joint property between the husband and wife.

The Supreme People's Court issued the first article of the "Interpretation on Issues Concerning the Application of Law in the Trial of Cases Involving Debt Disputes between Spouses" which stipulates: "Both husband and wife sign together or one of the spouses ratifies the agreement afterwards. The debts borne by the parties shall be deemed as joint debts of the husband and wife. ”

Extended information

Notes on using credit cards

1. Be clear about repayment. Time

Nowadays, most urban white-collar workers have more than one credit card, because different credit card centers have different requirements for applying for installment repayment. Some must be applied before the bill date, while others can be repaid at the end. Apply before the date. Therefore, cardholders must be clear about the repayment time. They can call the credit card center immediately after swiping the card to ask for clarification to avoid missing the time and putting pressure on repayment.

2. The repayment of foreign exchange purchases must be in the order of repayment

Since most cardholders use U.S. dollar accounts and also use RMB accounts for consumption, the repayment process When doing so, special attention must be paid to the order of repayment. Credit card centers such as ICBC and Bank of China stipulate that funds deposited in credit card accounts will be used first to repay the outstanding balance in the RMB account. Only when there is an overpayment in the RMB account, the excess deposit can be used to purchase foreign exchange over the phone.

3. If you have poor repayment ability, you can choose to repay in installments

This is because although installment repayment requires a handling fee, usually around 0.5 to 0.8 per installment, the cost is What is certain and controllable will not lift all boats over time. Choosing to repay only the minimum repayment amount will not affect your credit record, but the interest will increase day after day. Over time, it will become more expensive than installment payment. More pressure.

However, it should be noted that although installment repayment allows sufficient time, the longer the repayment period, the more handling fees you need to pay.

Reference material CCTV - The Supreme People's Court issued a judicial interpretation to clarify the standards for determining the debt of a married couple