No, after the debt is owed, the cardholder never transfers the property with his family, or goes through the joint property procedures, and the family pays back the obligation without compensation.

But married, and did not do property independence before marriage. It must be repaid within the scope of the joint property of husband and wife and the cardholder's own property. Banks will urge their families to help pay their debts as much as possible to avoid being arrested and sentenced to jail after reporting the case, but such supervision is not mandatory.

Extended data:

Recommended loans overdue:

One view is that the interest and compound interest of overdue loans should be calculated to the due date of performance determined by the judgment, and the borrower fails to repay the principal and interest of the loan on time. The bottom line of civil liability for breach of contract should be the due date of performance determined by the court judgment. Once the judgment determines the payment date, the borrower may not continue to breach the contract after the judgment takes effect, which is the coercive, binding and executive power of the court judgment. If the borrower still fails to pay off after the expiration, the borrower shall bear the responsibility of delaying the performance of the court's judgment according to the provisions of Article 232 of the Civil Procedure Law of China, that is, paying double interest on the delayed performance. If the borrower pays off in advance before the expiration of the performance period determined by the judgment, the interest payment shall be reduced accordingly on the basis of the judgment.

Another view is that the interest and compound interest of overdue loans should be calculated until the actual repayment date, and the borrower fails to pay off according to the performance period determined by the effective judgment, which is not only an act of refusing to perform the court judgment, but also a continuation of the lender's breach of contract. An act has two natures. A loan policy enjoys two kinds of creditor's rights for the convenience of borrowing money, namely, payment of deferred performance payment and liquidated damages, and is allowed to choose one of them.

References:

Baidu encyclopedia: overdue loans