Will the husband bear legal responsibility if his wife overdrafts his credit card?

It needs to be analyzed according to the purpose of the overdraft. Whether the overdraft on the wife's credit card is used for living together during the marriage, the husband is obligated to bear the debt, which belongs to the husband and wife. If the husband can prove that it was the wife's personal act, he is not obligated to repay it. According to the principle of self-sufficiency in Chinese laws, the consequences of an individual crime shall be borne by the perpetrator himself and will not involve others. From a legal perspective, the spouse is not liable. According to relevant laws and regulations, if the overdraft amount exceeds 10,000 yuan and the overdraft amount remains unpaid for more than three months after receiving two reminders from the card-issuing bank, it is suspected of committing a credit card crime. However, the debt will be considered a joint debt of both spouses, which means that the spouses will be jointly and severally responsible for repaying the debt, and it will also affect the credit of both parties. It is almost impossible for either spouse to apply for a loan or credit card in the future.

Is it the husband’s responsibility if the wife applies for a credit card but fails to pay the debt?

If the wife fails to pay the credit card when applying for a credit card, if the wife’s overdrawn credit card funds are used for various expenses of family life, It can be regarded as the joint debt of both husband and wife, and the husband must bear joint and several liability for the debt.

Legal Basis

Article 1089 of the Civil Code, when a husband and wife agree to pay off their debts upon divorce, when they divorce, the husband and wife agree to pay off their debts. *Same repayment. If the property of both parties is insufficient to repay the debt or the property belongs to each other, the repayment shall be settled by agreement between the two parties; if the agreement fails, the people's judgment shall be made.

My wife and I have credit cards from the same bank. Can I transfer his limit to mine?

Hello friends

This is completely unacceptable. Credit cards are personal accounts, and each person’s limit is issued by the bank based on the individual’s credit report, so it is not allowed. The account limit is increased or reduced.

Hope I can help you

The China Merchants Credit Card is overdue for 3 months. My wife also has a China Merchants Credit Card. Am I jointly and severally liable?

First of all, there is no joint liability

Secondly, whoever’s card is overdue will be responsible. If your card is overdue, at most your card will be frozen. As long as your wife’s is not Even if it is overdue, it can still be used normally.

Again, the credit card is a personal credit card and there is no joint liability such as guarantee, so there is no need to worry

Will the wife’s overdue credit card affect her husband?

If the wife’s credit card is overdue, it will have a certain impact on the man.

Although the overdue situation will only be reported to the wife's personal credit report, causing damage to the wife's credit, the man's credit will not be affected. However, if the husband’s credit card consumption is used for the family’s daily life and various expenses, once the card is issued by the bank, it will be judged as the joint debt of both spouses during the judgment, which requires both spouses to **Same repayment. At this time, the wife also needs to bear certain repayment responsibilities.

Also, after the wife’s credit is damaged, the man goes to the bank to apply for a loan. If the bank examines the family’s credit status and repayment ability, such as a mortgage, then once it is discovered that one of the spouses has bad credit, it will inevitably Reject loan approval.

It is recommended to pay off the debt immediately after the credit card is overdue. If you really can't pay it off, you can proactively contact the bank to negotiate an extension. If you keep delaying repayment, it will be bad for the bank. And the longer the overdue period, the more penalty interest will be incurred and the more you have to repay.

1. Credit card overdue for 3 days

The impact of a credit card overdue for 3 days is not very big, because first of all, many banks have time tolerance services and will provide credit card holders with time tolerance services. The repayment grace period is basically about 3 days.

If you are overdue for 3 days and are still within the repayment grace period, then you will not be subject to a credit report after repayment, and no interest will be charged; if it exceeds the repayment grace period, because the overdue time is short, So the impact is basically to pay some penalty interest.

2. Credit card is overdue for 30 days

If a credit card is overdue for 30 days, the impact will be more serious. Many banks will report it to the credit report if it is overdue for 30 days. Of course, some banks are overdue. The credit report will be reported one month later. Being overdue for 30 days has a considerable impact on personal credit. And you also need to pay 30 days of penalty interest.

3. Credit card is overdue for 90 days

If a credit card is overdue for 90 days, the bank can sue the cardholder, and a credit report will definitely be issued for 90 days overdue, which will cause extreme damage to the credit. The negative impact will not only be blacklisted by the bank, but also blacklisted as dishonest persons.

And the bank will continuously collect the money, and there will also be overdue penalty interest. The penalty interest will also be charged with compound interest for 2 months.

This ends the introduction about my wife’s credit card and whether my wife’s overdue credit card will affect me. I wonder if you found the information you need?