After the credit card is enforced, it cannot be used. Enforcement of a credit card means being blacklisted. Generally, if you are included in the list of dishonest persons subject to enforcement, your credit card will no longer be usable and will be frozen and deactivated. After being executed by the court, the credit card will be frozen, and you can continue to use it after the debt is paid off. Usually a credit card will be frozen if it is overdue for three months, which will affect your personal credit.

As for whether there is a chance to clear the blacklist, it depends on whether the civil lawsuit can be resolved and whether he is sentenced to jail for this case. If you are sentenced to jail, you will be on a permanent credit blacklist, and you will never be able to get a credit card or loan. If the civil lawsuit can be resolved without being sentenced to jail, a "notice of removal from the credit blacklist" issued by the court must be issued. Otherwise, the credit blacklist will be permanently blacklisted and you will never be able to apply for a credit card or loan.

A credit card is different from an ordinary debit card because a credit card is a card that can be overdrawn for consumption, which allows us to continue consumption when we have no money, but problems such as overdue payment will occur later. As cardholders, we cannot deliberately avoid debt or use loans to finance credit card problems. As cardholders, we need to specifically express our willingness to actively repay and negotiate a repayment plan. We should not just talk empty words, we must take practical actions and pay back as much as we have. Of course, there are specialties in the industry. If cardholders want to know more about the situation, they can contact the professional debt protection team for consultation.

The credit card of the person being enforced cannot be used, and loans and high consumption will be restricted. Enforcement will not involve the spouse. As long as it is a personal debt, it will not involve the spouse. If it is a joint debt, it needs to be repaid jointly.

Enforcement will not involve the spouse. If one party owes money and is sued for repayment of the debt, if it is a personal debt, the spouse will not be required to repay the debt jointly. At this time, if the creditor wins the lawsuit and the debtor refuses to perform the repayment obligation, and the creditor applies for enforcement, only The debtor's personal property will be enforced, but the spouse's property will not be enforced.

Legal Basis

"Civil Procedure Law of the People's Republic of China"

Article 243

Occurrence The parties involved must fulfill legally effective civil judgments and rulings. If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement.

Mediation letters and other legal documents that should be executed by the people's court must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the People's Court for enforcement.

Article 245

If one party fails to perform a debt document that has been legally enforceable by the notary office, the other party may apply to the people's court with jurisdiction for enforcement. , the people's court subject to the application shall implement it.

If there is indeed an error in the notarized creditor's rights document, the People's Court shall rule not to enforce it and shall serve the ruling to both parties and the notary office.