It is recommended to actively negotiate. Escape is not an option. It is possible that your husband will be suspected of credit card fraud.

If the bank sues your husband personally, it is recommended that you communicate with your husband and let him face it actively. If you and your husband are sued, you need to prepare evidence that the loan was used by your husband for gambling and not for living together as a couple, so as to prevent you from being jointly and severally liable in the future.

According to relevant laws and judicial interpretations, "malicious overdraft" means that the cardholder overdrafts for the purpose of illegal possession, or knowingly is unable to repay, and the overdraft amount exceeds the overdraft amount allowed by the credit card to avoid investigation, or Failure to return the card within 3 months from the date of receipt of the card issuing bank’s collection notice. A malicious overdraft of more than 5,000 yuan is classified as a "large amount"; a malicious overdraft of more than 50,000 yuan is classified as a "huge amount"; a malicious overdraft of more than 200,000 yuan is classified as a "particularly huge amount." 3. The above is the explanation for malicious overdraft of credit card fraud, and this case has been suspected of a criminal offence.