1. What should I do if I can’t pay back my credit card after losing my job?
1. Use the minimum repayment function. Every bank has a minimum repayment function. As long as the minimum repayment is paid, the bank will not charge late fees and will not affect your personal credit. However, at least interest will be charged, which is 0.05% per day.
2. Use the installment function. If you are under pressure to repay, you can directly apply for bill installment.
3. Change the billing date to extend the repayment period. The billing time cannot be changed casually. Generally, it can be changed once every six months. Some banks change it once a year, and some banks can only change it once.
4. Take the initiative to explain the situation to the bank and negotiate.
2. What should I do if I am sued for not paying off my credit card?
You should actively respond to the lawsuit and provide the court with evidence that you are temporarily unable to repay. The defendant has the following litigation rights in litigation activities:
1. File a defense and counterclaim.
2. Admit and refute the plaintiff’s claims.
3. Raise jurisdictional objections to the case.
4. The right to apply for retrial.
5. The right to access and copy materials and legal documents related to this case.
6. The right to request re-investigation, appraisal and inspection.
7. If there are any omissions or errors in the court records, you have the right to apply for a refund.
3. If the man cannot repay the credit card, can he ask the woman to repay the debt?
If the credit card debt is a joint debt of husband and wife, he can ask the woman to repay the debt. The criteria for identifying joint debts are:
1. Debts borne by husband and wife for the joint life of the family;
2. Debts borne by one or both spouses to fulfill legal support
3. Debts borne by fulfilling legal support obligations;
4. Debts borne by couples engaged in homosexual production and business activities;
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5. The husband and wife agreement stipulates that the debts are the same debts.
4. Which credit card debts during marriage are personal debts?
1. Pre-marital debts of one spouse. If one spouse bears a debt for purchasing a house or other property, and the house is not used for living together after marriage, it shall be deemed as a personal debt.
2. One spouse, without the consent of the other party, arbitrarily finances the debts borne by the person who has no obligation to support.
3. One spouse raises funds alone to engage in production or business activities and incurs debts without the consent of the other spouse, and the income is not used for the couple’s life.
4. The property determined in the will or gift contract to belong only to the husband or wife is the personal property of one party, and the debts accompanying the will or gift contract should also be borne solely by the party who receives the will or gift. , the other party has no liability for repayment.
5. Debts that the husband and wife have agreed to bear individually in accordance with the law. If both husband and wife agree that one party will bear the debts that belong to the same life together, they can be regarded as the husband and wife's personal debts. In principle, such an agreement will not have any effect against the creditor unless the creditor knows about the agreement in advance or ratifies the agreement afterwards.
6. Debts incurred by one spouse due to unreasonable personal expenses, such as gambling, drug abuse, and alcoholism.
7. Other debts that should be borne by individuals according to law. Including debts incurred by one spouse for committing illegal crimes and torts.
For credit card debt, unless there are extremely special reasons, such as the cardholder completely losing the ability to work due to an accident and having no other source of income, in this case, you can apply to the card issuer for exemption of credit card debt. Generally, unemployment cannot be a valid reason for not paying back credit cards. You can only find ways to relieve the pressure of debt repayment within the scope permitted by law.